Paying for education is the top “disruptor” to Americans’ finances, according to a recent survey.

Sixteen percent of U.S. adults say education was the event or situation that harmed their financial plans, according to a survey from TD Ameritrade. That was ahead of loss of work or getting a lower-paying job, selected by 15% of respondents; supporting others, selected by 13% and “accident/illness/disability/unable to work,” selected by 10%, according to a survey of 1,015 U.S. adults aged 23 and older with at least $10,000 in investable assets conducted in August 2019.

Additionally, 10% of respondents picked poor investment or business performance as the event that harmed their financial plans, while 10% cited divorce, separation or widowhood, 9% cited planned family and 8% cited planned home, TD Ameritrade found.

In 2014, loss of employment and poor investment or business performance were far more frequently selected as the sources of disruption than education, the company says.

On the other hand, “financially disrupted” Americans do feel much better prepared, according to the survey. For example, only 33% of respondents in 2014 said they’d set aside money for a rainy day, but that figure rose to 45% in 2019, TD Ameritrade says. And while 38% of respondents in 2014 had to stop saving and investing for the long-term or retirement, that fell to only 25% of respondents in the 2019 survey.

Meanwhile, looking ahead, what most worries Americans is increased cost of living, selected by 47% of respondents, and healthcare, selected by 44%, TD Ameritrade found.

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