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A dichotomy in personal savings habits is occurring in America. On the one hand Americans say their financial habits are improved, are accounting for emergencies and have more confidence in themselves than the economy. However, financial discipline isn’t at the level it was last year and savings are dwindling.

That’s according to a new Northwestern Mutual 2022 Planning & Progress Study, which looks at attitudes and behaviors toward money, financial decision-making and broader issues impacting their long-term financial security.

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