If saving money were a total breeze, perhaps people would do a better job of it. Unfortunately, a large percentage of Americans are glaringly behind on both near-term savings and retirement savings. If you've been slacking on the savings front, or have been making an earnest effort to save but find that you're still falling short, you're not alone.
When you are healthy and moving along in your life, you often don’t think what could happen – if something were to happen to you. No one expects an illness or an accident to occur, but when it does – how long could you continue paying your bills without exhausting your assets or going into substantial debt?