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Emergency savings are a key component of financial security for households of all ages. To decide how much cash savings to have on hand and how to balance this need with other financial priorities, households need good information on the spending shocks they may…
Employer-sponsored retirement plans – such as 401(k)s – offer a convenient way for workers to save through contributions deducted from their paycheck. Yet, many private sector workers lack access to an employer plan. In recent years, a number of states have aimed to give such workers a payroll-based savings option by requiring employers to either…
