NEW YORK ( TheStreet) -- Call it a tale of two demographics, with two studies showing the middle class still saddled with debt and the "mass affluent" ready to de-prioritize debt and pick up the pace on their retirement savings. First up is Wells Fargo's ( WFC) Middle Class Retirement Study. Wells reports that 59% of middle-class Americans are saying paying down debt is their chief financial priority, compared with 52% who said the same thing last year. Meanwhile, saving for retirement is a "distant priority," with only 13% in the middle class calling it their No. 1 financial obligation -- and 42% of middle-class adults saying that saving for retirement and paying down debt is impossible.