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MIAMI (CBSMiami) – If you work hard and bring home a moderate paycheck, you probably worry about your finances at least once a week.

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A new study, released by MassMutual, found 48 percent of Americans ages 25 to 65 with household income between $35,000 and $150,000 worry about money at least once a week. The survey also found 23 percent of those who earn less than $45,000 annually worry about money every day.

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More than a third of middle-income earners – even those at the top end — said they felt “not very” financially secure while the majority (54 percent) describe themselves as “somewhat secure.”

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Specific worries included being unprepared for retirement, health care costs and overspending. There was also considerable fear reported around unexpected financial emergencies, such as major illness, injury or a sudden, major expense.