Make—and Save—More Money
Why it's tricky: Personal savings rates are up (slightly), and (slightly) more Americans are feeling financially better off than worse off. Yay, right? Well, keep in mind that companies plan to offer raises of just 2.9 percent in 2013, according to the U.S. Compensation Planning Survey and research by the compensation consulting firm Mercer, which barely keeps up with inflation. And many Americans are still making up for losses sustained over the past few years.