Two-thirds of U.S. consumers believe saving money brings more happiness than spending it, according to CIT Bank’s new Financial Bliss Survey conducted by The Harris Poll.

The survey results measure how U.S. consumers think and feel about money.

“The enjoyment of saving money outweighs the instant gratification of impulsive spending for most,” said Ravi Kumar, head of CIT’s direct bank. “This finding suggests that saving can be a fundamental tool to feeling satisfied about one’s financial situation, or alternatively, be a source of stress if goals fall short.”

With nearly half the population saying they constantly worry about money (45%), it’s no surprise that money is the top reason people lose sleep (32%), compared to relationships (20%), work (15%), and the “fear of missing out” socially (4%). The good news is 39% of consumers are prioritizing savings in 2019, up from 23% in CIT Bank’s 2018 survey.

Cutting some discretional spending, such as shopping, is the top strategy consumers are willing to adopt to save $100 each month (43%), followed by adding an additional source of income (27%), and reducing other more specific saving priorities like retirement (17%). Gen Z, Millennials and Gen Xers are twice as likely as Boomers and Seniors to say they would need an additional source of income to save $100 or more.

“With many admitting they can cut back to save $100 or more each month, we’re aiming to empower consumers to make smart savings choices and build a habit of saving to meet their goals more effectively,” continued Kumar.

CIT Bank’s newest digital savings product Savings Builder is designed to reward consistent savers and provides a higher rate for those who make a deposit of at least $100 on a monthly basis.