Americans aren’t saving enough for retirement and it is increasingly falling on employers to fill the gaps in their employees’ financial education.

Many people carry too much debt, are living paycheck to paycheck or are not taking advantage of employer-sponsored benefits, says Linda Robertson, a certified financial planner with Financial Finesse. In the past, financial planners didn’t worry about other factors that affected a person’s ability to save for retirement. They were more concerned with investment options rather than establishing “good money habits,” she says.

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