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Just like a lunar eclipse silently casts a shadow, financial unpreparedness can quietly darken your path toward retirement and financial security—are you prepared to navigate out of the darkness?

Alarmingly, as of 2022, around 46% of U.S. households had no retirement savings at all, highlighting a looming crisis for millions of working-age adults (Congressional Research Service, 2022). Even more concerning, nearly two-thirds of non-retired adults in this age group admitted they were off track in meeting retirement goals (Federal Reserve, 2023).

Many Americans aged 24–55 are also financially unprepared for unexpected expenses, highlighting a pressing need for improved emergency savings. A 2025 Bankrate survey revealed that only 41% of U.S. adults could cover a $1,000 emergency with savings, while 27% have no emergency savings at all—the highest percentage since 2020.