“Not saving enough for retirement” is the leading financial regret among Americans, 75 percent of whom say they wish they had made better decisions.

Eighteen percent of people say they should have socked away more money for their golden years, ahead of "not saving enough for emergencies" (13 percent) and taking on too much credit card debt (9 percent), according to a survey by Bankrate.

The survey polled more than 1,000 Americans in May, with a margin of error of 3.6 percentage points.

The survey results suggest saving seems to be a bigger problem for Americans than debt, Greg McBride, senior vice president at Bankrate, told CNBC.

“While taking on too much student loan debt topped worries for respondents aged 18 to 29, about 61 percent of respondents older than 50 reported their greatest worry was not saving enough for retirement,” according to the financial news network.

Not saving enough has led many Americans to work past age 65, the traditional retirement age.

About 20 percent of Americans 65 and older are now working, according to data from the U.S. Bureau of Labor Statistics.

“That’s the most older people with a job since the early 1960s, before the U.S. enacted Medicare,” Bloomberg News reports. “Because of the huge baby boom generation that is just now hitting retirement age, the U.S. has the largest number of older workers ever.”

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