The overall discipline that Americans bring to their finances remains low, a Northwestern Mutual study has found. 

A little less than one in five (18 percent) consider themselves a highly disciplined financial planner, meaning they know their exact goals, have developed specific plans to meet them, and rarely deviate from those plans.

More than one-third (36 percent) consider themselves disciplined, meaning they know their exact goals and have developed specific plans to meet them, but those plans can deviate at times, according to The Planning and Progress 2014 Study.

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