Wang, Tianyang, authorFinancial Wellness Essay, Society of Actuaries, publisher2020-05-122020-05-122017-09Wang, Tianyang. (2017). Fighting Procrastination for Financial Wellness Harness the Power of Inertia. Society of Actuaries.https://hdl.handle.net/10217/206711Includes bibliographical references (page 7).The need to save for financial wellness is universal, yet planning for it is hard. According to a 2016 PricewaterhouseCoopers survey, 52% of employees report difficulty managing their personal finances. A majority of Americans today face a looming retirement crisis considering the fact that the median retirement account balance is only $2,500 for all working-age households and $14,500 for near-retirement households. More astoundingly, a recent Federal Reserve study reports that nearly half of Americans do not even have $400 in savings in case of an emergency.born digitalessayseng©2018 Society of Actuaries. Author can archive pre-print and post-print.Copyright and other restrictions may apply. User is responsible for compliance with all applicable laws. For information about copyright law, please see https://libguides.colostate.edu/copyright.Text