The economy may be improving, but it's certainly not raising all boats—and even some of the rising boats' captains are nervous about what's to come. Maybe it's because their incomes are behaving more like roller-coasters.

That's according to a study from the Pew Charitable Trusts, which finds that whether they've gained or lost substantial amounts of income on an unpredictable basis, households that have experienced such income volatility are less financially stable.

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