The savings rate improved across the board in the U.S. last year, but not everyone is able to save effectively. 

Those are some of the findings of the 8th annual America Saves survey, released Monday to coincide with the beginning of the 9th annual America Saves Week — an effort by almost 1,700 nonprofit, government and business organizations to promote personal savings. 

Nearly a dozen indicators in the survey revealed some progress, but only about 40 percent of respondents said they were making "good" or "excellent" progress in meeting the savings goals they'd set. 

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