Media | GOBankingRates

Jeff Herman was asked to comment on a survey that found 39% of American workers said living paycheck to paycheck would be an improvement to their financial situation.

High-income earners can also learn a valuable lesson here: the turning point is almost always a shift in habits, not just earnings. When you intentionally create margin in your monthly budget and allocate that toward retirement, you stop living at your income level and start building beyond it.

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