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Whether you're hosting guests, traveling to family or simply purchasing gifts, the holidays can put household finances to the test. This year, Americans aren't letting short-term stresses like the holidays affect their long-term financial aspirations. According to the latest Merrill Edge Report, many Americans now rank saving for retirement as their top priority and short-term concerns like paying off debt are falling lower on the to-do list. To enjoy the season of giving without sacrificing your financial goals, it's time to make a plan.

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