People aren't feeling good about where they are financially.

Obligations weigh them down—daily living expenses, the high cost of health care, the potential for job loss or some other catastrophe—and they don't even have a secure retirement to look forward to, now that pensions are largely a thing of the past.

So say some of the findings from a survey done by LifeCare, a provider of work/life services, and the Financial Planning Association.

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