U.S. Army photo by Staff Sgt. Matthew Keeler

Do you feel as though you are saving enough money to prepare for the future? You’re not alone if you don’t; most Americans save less than 5% of their income, despite experts recommending putting away at least 10-15%.

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(U.S. Army photo by Staff Sgt. V. Michelle Woods

In a perfect world, we’d all live below our means, save a significant portion of our paychecks, and stay out of debt. Unfortunately, that’s not the case. We make mistakes, fail to plan, and sometimes get into financial hot water.

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