Some people may harbor a few regrets as they get older, but a full three-quarters of Americans have at least one big financial regret, according to

The financial website asked more than 1,000 adults what their number one financial regret is and came up with some expected — and some surprising — results.

For a little background, a person who starts saving $300 a month for retirement at age 25, with a 5 percent return on investment, will have about $450,000 saved by age 65, despite only contributing $144,000 into his retirement account.

Meanwhile, if that person waits until 35 to save the same amount each month, he will contribute a total of $108,000 toward retirement but only have about $250,000 saved at age 65. “If you don’t start saving early enough, you will start to notice that later,” says Greg McBride, the chief financial analyst for

According to 2015 data from the Employee Benefit Research Institute, 28 percent of workers say they have less than $1,000 saved and 17 percent have between $1,000 and $9,999.

At the same time, 62 percent of Americans have no emergency savings, according to a 2015 survey by, while experts recommend having at least three months of living expenses in savings for emergencies.

The following are what the respondents say are their biggest financial regrets, including the percentage of those that listed it No 1. (No other concern garnered more than 3 percent of answers.)

No. 6 Buying a bigger house than I could afford: 3 percent

No. 5 Not saving enough for children’s education: 8 percent

No. 4 Taking on too much credit card debt: 9 percent

No. 3. Taking on too much student loan debt: 9 percent

No. 2 Not saving enough for emergency expenses: 13 percent

No. 1 Not saving for retirement early enough: 18 percent

Source:  Karen Demasters–the-regrets-26996.html