This year, Americans say they’re ready to make their savings accounts great again. Whether they actually will is another story.

About 21% of working Americans aren’t saving any of their income, which remains unchanged from the answer consumers gave the survey in 2016, a survey released this week by personal finance site concluded. And just 25% are saving more than 10% of their incomes, down from 28% in 2016. The Bankrate survey was conducted by Princeton Survey Research Associates from a nationally representative sample of more than 1,000 people.

What are the biggest reasons Americans aren’t saving more money? The No. 1 answer: 38% said they had too many expenses, some of which may not be under their control given that wages have remained stagnant in recent years. The next reason is absolutely under their control, however. Some 16.4% of the respondents simply said “they haven’t gotten around to it.” The third and fourth reasons? Just over 16% said they not having a good enough job and 13% said they were struggling under debt.

Read more: The four most depressing reasons why Americans are not saving any money – MarketWatch