Your mom is sick and you just lost your job. If you’re tossing and turning at night, there’s good reason: You’re dealing with two of life’s most stressful events, according to the American Psychological Association’s 2006 Stress Survey. And children, who can be a source of enormous satisfaction and joy, can also be a source of angst. They are ranked as the fourth most intense stressor, higher than work and personal safety. Here are the top 10.

1. Sick family member
2. Money
3. Your own health
4. Children
5. Work
6. Personal safety
7. State of the world
8. Terrorism or natural disasters
9. Intimate relationships
10. Discrimination based on race or ethnicity