Financial debt in America is increasing at an alarming rate. Average debt per household is roughly $11,000 which enables it to take nearly 25 years to empty if only making minimum monthly obligations. This doesn’t include a mortgage. Approximately 40% of Americans spend more than they earn and have not contributed to any type of savings insurance plan. Many financial experts say you should save 3 to months worth of your salary for any unforeseen emergencies, involving job, illness, or other position.
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