Stressed about your personal finance situation? You’re not alone. A new study from Wells Fargo shows that 39 percent of Americans rank money as the biggest source of stress in their lives, and 33 percent are actually losing sleep worrying about their finances.

While it’s clear that plenty of us think about money, the study shows that we don’t like to actually talk about it. More than 1,000 respondents participated in the survey, and the majority of them would rather discuss death, religion, politics and taxes before talking about their saving and spending patterns.

Now, get ready for the most alarming statistic of the study. Those who are in poor or average financial health are twice as likely to update their Facebook profiles than they are to review their finances.

Karen Wimbish, director of retail retirement at Wells Fargo, recommends that these consumers log off and make budgeting and working toward a savings goal a priority.

“With money, there’s a lack of understanding about the importance of designing a plan,” Wimbish says. “Only a third of adults have some type of financial plan or a simple household budget in place, which means most Americans don’t have the roadmap needed to improve their financial health.”

Following that roadmap can feel overwhelming. However, in most cases, the most challenging part of saving is taking the first step to reveal what you need to change to put yourself on a better track toward financial success.

If you think you might need a wake-up call for your financial plan, I recommend Bankrate’s delay savings calculator. The tool offers a simple preview of how much postponing your saving contributions can cost you in the long run.

Are you comfortable talking about money? Or, is your personal finance situation stressing you out so much that you would rather avoid the topic altogether?

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