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A penny saved is a penny earned, but a penny earned has a slim chance of being a penny saved these days. In a CBS News/New York Times poll fielded this month, one-quarter of adults said they hadn’t saved any money during the previous year. One-fifth of respondents said they’d managed to save less than 5 percent of their household income. One in four saved between 5 percent and 10 percent, while one in five saved between 10 percent and 20 percent.
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