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Daily decisions — not chance — often shape the divide between financial stress and stability. How do you score?
The top 10% of Americans now hold nearly 70% of the nation’s wealth, up from about 61% in 1989, while the bottom half owns just 2.6%, based on Federal Reserve data. Meanwhile, research shows that around half of financial inequality can be traced to differences in financial literacy. According to the St. Louis Fed and education studies, disciplined routines like tracking expenses…
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