Here's the No. 1 reason why Americans are struggling to save money—and it's not debt via CNBCMakeIt
More than one in five working American adults, or 21 percent, don't set aside any of their annual income for short-term or long-term goals.
What's keeping Americans from saving? When Bankrate asked survey participants, the No. 1 response was"expenses." Besides expenses, 16 percent of working adults say they don't have a"good enough job" to be able to save, which presumably means they aren't earning enough. The good news is there are ways to make progress without feeling cash-strapped or committing to any drastic lifestyle changes. Here are three effective strategies:
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