Even highly skilled Americans with solid incomes can easily find themselves living from paycheck to paycheck, or worse: slipping over time into debt that seems insurmountable, causing them to put off, perhaps indefinitely, the dream of a secure financial future. A single job layoff or health crisis can trigger this situation. This is a crisis.

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Just as once a year you spring-clean your home by pulling out the ladder and dusting ornamental treasures on the highest display shelves, once a year, there are certain steps you must take to protect yourself financially.

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