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Virtually all Americans take on debt, whether in the form of a home mortgage or a car loan or credit cards. And no matter how careful we are to make payments on these loans, our debt remains stressful and worrisome. That’s because we also need to set aside money for our kids’ college education, for our retirement, for utility bills and gas and food, and for at least a few of life’s luxuries. It’s no surprise, then, that nearly half of all Americans say they would struggle to come up with $400 to cover an emergency.