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People are also continuing to work on lowering, or eliminating, their debt, with 78% reporting progress along those lines (compared with 76% in the last survey).

The savings rate improved across the board in the U.S. last year, but not everyone is able to save effectively. 

Those are some of the findings of the 8th annual America Saves survey, released last Monday to coincide with the beginning of the 9th annual America Saves Week — an effort by almost 1,700 nonprofit, government and business organizations to promote personal savings. 

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