As pointed out in previous columns, most Americans do not have adequate funds set aside for emergencies nor are they saving for retirement. To increase the well-being of individuals and enhance the financial security of the nation, this must change. Individuals must find ways to increase their savings. While most of us are aware of what we should do to have a secure retirement, few of us have the discipline to do so. To be financially secure, experts advise spending less than we earn, saving at least 10% of our income, start investing at an early age, have an emergency...

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