Vacation is often a time to relax and refresh. Some experts think it could even make you more productive when you head back to work. But a whopping 49 percent of Americans won’t be taking one this summer, and while lack of money certainly plays a role, it’s not the only reason so many people are deciding to stay home.

Bankrate, which conducted a survey of 1,000 people aged 18 or older, found that, of the 49 percent who aren’t planning a vacation, 50 percent said they can’t afford it, 24 percent have other family obligations and 22 percent can’t take time off work.

Younger people “are most likely to say they can’t go on vacation because there’s too much on their plates,” the survey notes. “They’re also more inclined to say that their financial situation is keeping them from taking time off.”

Even when Americans have paid time off, the survey points out, they’re reluctant to use it: Only 36 percent of respondents who have paid vacation time plan to use all of it this year. And 13 percent of workers with […]

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