He has written or co-authored more than 100 books on financial planning. That means creating a budget, trying to stick with it and making changes so you can save more, he says. You also need to assess your tolerance for risk and invest your savings in ways that are appropriate for you, Dalton says. About 71% of people have financial worries, and 31% of them say their biggest concern is not having enough savings, according to a recent survey of 2,016 adults conducted for the National Foundation for Credit Counseling. In fact, 34% of people say they have zero non-retirement savings.
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