I’m 49 and Tired of Living Paycheck to Paycheck. How Do I Break the Cycle of Financial Struggle Before It’s Too Late? Steps to Take Now

More than half of Americans live paycheck to paycheck, which highlights the value of establishing an emergency fund, paying down debt and creating a financial plan. CFP Board’s Consumer Views on Personal Cash Flow Planning survey found that 40% of Americans have never had a budget and 59% do not track their spending, both of which are essential for regularly understanding where money goes.

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