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The new year can’t come quickly enough for most Americans. Although more than two-thirds experienced a financial setback during the pandemic year of 2020, nearly three-fourths are confident that things will be better in the coming year, according to the Fidelity Investments 2021 New Year Financial Resolutions Study.

“This year’s top financial resolutions are consistent with what we’ve seen in the past,” said Stacey Watson, senior vice president with oversight for Life Event Planning at Fidelity Investments. “However, what makes 2021 unique is how people will achieve them, given the financial pressures and major life events many continue to experience throughout the pandemic.”

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