Many Americans report that they are feeling better about their personal finances and even are paying down their debt, or just refinancing into lower rates. Even so, the U.S. savings rate still lags most of the rest of the world. And the key to long-term stability, experts say, is building better habits to sock that money away.

Sources: Bureau of Economic Analysis, Bureau of Labor Statistics, Census Bureau | The Washington Post April 26, 2013
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