We all worry about money — spending too much, not having enough. But for most of us, it’s not just a fleeting concern. According to a 2016 study by Northwestern Mutual, 85% of U.S. adults suffer from financial anxiety, with 28% actively worrying about their finances at least once a day. But if there’s one thing that keeps Americans up at night more so than anything else, it’s the idea of an unexpected expense or emergency.