By the end of 2018, Americans owed more than $4 trillion — a figure big enough to send a shiver down almost anyone's spine.
So with that kind of debt hanging over our heads, it's no surprise that many plan in this new year to pay down their balances.
And then there's the need to save for that ever-receding goal of retirement, which can be tough when payments are due on the house, the car, the sheepskin hanging on the wall, the cast on one's leg or the latest refill of the diabetes prescription.
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