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Source: LIMRA Secure Retirement Institute

In 2017, total U.S. household consumer debt reached $13 trillion. Non-mortgage debt (car loans, student loans, credit cards, and so on) was reported by 71% of American workers. Only 31%

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Cost Control Takes a Total Team Effort

“That is just the cost of doing business.” You have probably heard this expression many times. While it is true that, to invoke another cliché, you have to spend money