• A negative national savings rate can't continue indefinitely, even if stock market returns and home values do continue to rise. Excellent returns on our prior investments appear to have weakened our resolve to put new money into savings. All is not lost, but it's clearly time that we pick up the pace. Based on our current negative savings rate, the first place to start is aligning our spending with our income. There aren't any shortcuts to saving money, even when the stock and housing markets try their best to provide one.

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