Americans are investing more. As of 2016, 52 percent of families in the U.S. are shown to have money in retirement accounts, compared to 37 percent in 1989, according to the Survey of Consumer Finances. It’s not clear what exactly is spurring the popularity of investing — better financial literacy? More disposable income? — but it is clear that the rate at which people are investing is very different depending on where in the country they live.

A study recently conducted by Smartadvisor Match found the top 25 areas where people invest the most. Seattle-Tacoma-Bellevue came it at No. 6.

“The Seattle metro area ranked sixth for both investment income as a percent of all income and percent of tax returns with investment income,” the study states. “The high cost of housing makes the investment income less valuable than in metros ranked above, though.”

Areas with better investment scores than in Western Washington include the Bay Area and San Jose in California, Fort Myers and North Port in Florida, and Bridgeport in Connecticut. The study concluded that high-income metro areas tend to invest more, even when accounting for cost of living.

Smartadvisor Match gives two simple tips for navigating investments: start early and get an expert’s help. Having time on your side is the most important factor in the investment equation (thanks, compound interest) and a financial advisor can help you make the most of your hard-earned money.

For the full details of the study and its findings, visit smartadvisormatch.com.