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If you’re like most Americans, you could use some extra cash. One in five Americans isn’t saving any money, a Bankrate survey found. Just 16 percent are saving at least 15 percent of their income, which is the minimum amount recommended by financial advisors in order to save up enough for retirement. When asked why they’re not saving more, 39 percent of Americans say it’s because their expenses are too high, while 16 percent say their job doesn’t pay enough.