The gap between a 1.9% nominal gain in median income and an 8.4% annual increase in health care costs has drained a huge amount of discretionary income. (Photo: Getty)

New saving/investment is the lifeblood of financial services, as well as the fuel for achieving personal financial goals. Yet, many affluent households lack the budget flexibility to keep saving and investing consistently. Why?  

Related: Start Medicare at age 65? Not so fast!

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