man and woman looking pensive For emergency funds, planners say workers should have six months' worth of essential expenses set aside—which sounds fine, till you add it up and realize that, according to a recent Bankrate report, that amounts to about $23,000 for the average household living in a major metropolitan area. (Photo: Shutterstock)

Regrets? Americans have a few. But one financial regret that is the biggest for 18 percent of Americans is not saving earlier for retirement.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.