A new year is an opportunity for a fresh start. From losing weight to starting a new hobby, there are a few resolutions that people frequently come back to again and again when determining what they want to change about their lives. Improved financial stability is another goal that we all seem to strive for consistently — but often fall short on. Only 19% of Americans have enough cash saved to cover three to five months of living expenses in case of an emergency, for example. And although we’ve previously recommended three to six months’ worth of expenses on hand, we’re now encouraging 12 months since the pandemic has proven that your situation can change drastically at a moment’s notice. The point is, if you feel overwhelmed because you’re not in the best place financially, you aren’t alone. The good news? 2022 offers many opportunities to improve your money management and attain greater stability and long-term financial health. The key to success is strategic planning informed by
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