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Umbrella protecting from rain The very existence of separate rainy-day accounts enforces discipline in recognizing what savings can and can’t do. (Image: Shutterstock)

People are having a tough time saving—for health care, for retirement, for emergencies—especially since so many are living paycheck to paycheck and bending under the weight of student debt, credit cards and other financial obligations.

Marlene Satter

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

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