A new survey has uncovered which future financial concerns are worrying Scots the most.
Kitchen worktop supplier Stone Genie asked 500 Scots which costly life milestones they find the most daunting - and the results are in.
The finances associated with buying a first home proved to be the biggest concern for Scots, taking almost half of the overall vote.
Forking out for a funeral was the runner-up, with just under a quarter of respondents admitting to worrying about leaving their families with this costly expense.
Putting down roots
Buying their first house topped the poll for 48% of participants, with nearly half of Scots revealing that the prospect of getting a foot on the property ladder filled them with anxiety.
Similarly, for 71% of 25-34 year old respondents, their status as a first-time buyer proved a huge cause for concern.
Planning for the future
Interestingly, Scottish women fear the financial burden of death more than the costs associated with starting a family, with 27% of respondents saying paying for their funeral is the thing that keeps them awake at night - something 36% of 55-64 year olds agree with.
While just 19% of Scots cited starting a family as their biggest financial concern, for 18-24 year olds, this came out on top - with 55% of their vote.
For male millennials, raising a family is the most daunting of the lot, raking in 60% of their vote.
Education and wedding woes
The costs associated with paying for a wedding appear to be an issue for 12% of Scots - with men in particular fearing this monetary milestone.
For a little under 7% of the Scottish population, funding their children’s higher education is a particular costly concern.
Other money-related strains included rent costs and retirement pots.
While there’s a clear age divide when it comes to the financial fears plaguing Scots, one thing’s for sure: keeping up with the cost of living in Britain is no mean feat in 2018.
Which of the following costly life milestones do you think are the most daunting?
Buying your first house: 48.0%
Paying for your funeral: 22.2%
Starting a family: 19.1%
Paying for a wedding: 11.8%
Paying for further education: 6.7%