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Tuesday, March 6, 2018

Greetings Thrifty Friends,

Motivation. We all know what we need to do. Spend less. Save more. Delay gratification. Do more for ourselves. Plan. Budget. Invest.

The problem is motivation. Why do today what you can put off until tomorrow? You can always make more money, right?

Unfortunately, this is resulting in growing numbers of woefully underprepared Americans. just quoted a study by GoBankingRates which indicated that a frightening 42 percent of Americans are at risk of retiring broke.

Could you imagine being 67, 68 or 69 and having less than $10,000 in a savings account? Do you think you would still be saying to yourself, 'I can always make more money'?

Keep pinchin' those pennies,

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About 42 percent of Americans have less than $10,000 saved for when they retire, according to a study by the personal finance site GoBankingRates.

For them, a serious lack of planning coupled with a longer life expectancy has destroyed any retirement dreams.

The number 1 reason most people cited for not stashing more away was because they didn't earn enough to save, followed by the fact that they were already struggling to pay bills.

Although millennials are most likely to have less than $10,000 saved, older Americans are also becoming steadily more pessimistic about their future economic prospects, according to a separate study by United Income, a start-up that aims to apply big-data analysis to financial planning.