A new Bankrate survey finds for the first time in the six years it has been polling, more Americans are feeling comfortable with their savings than feeling uncomfortable. Still, they aren't really pushing their savings level up to account for the boost in morale.

Instead, compared with last year's survey responses, the same percentage say they're not saving anything, and even fewer people than last year say they're putting away more than 10 percent of what they earn.

Not encouraging. It calls to mind the scene in "Harry Potter and the Prisoner of Azkaban" in which Ron, struggling to read Harry's tea leaves during a tessomancy session in their Divination class, says, "… you're going to suffer, but you're going to be happy about it."

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