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What to Do When You Get a Raise

These three saving rules can help you stay on track with your financial plan.

Many American households are behind when it comes to saving for retirement. And while it seems obvious that making more money could solve the problem, the reality is far messier: Raises--and how we spend them--can actually make it more difficult to retire comfortably. 

How can earning more money make it harder to meet your retirement goal? It comes down to three main factors: