Shane MacInnis - Primerica Representative

40% of Americans spend up to half of their income servicing debt: http://www.marketwatch.com/story/40-of-americans-spend-half-of-their-income-servicing-debt-2017-04-27

40% of Americans spend up to half of their income servicing debt Discretionary spending is part of the problem, experts say.

65% of Americans are losing sleep over money issues: http://www.marketwatch.com/story/americas-insomnia-problem-is-even-worse-than-before-the-great-recession-2017-04-20

America’s insomnia problem is even worse than before the Great Recession This problem is keeping most Americans awake at night.

34% of American adults have no savings at all: http://money.cnn.com/2017/05/09/pf/saving-tips/index.html?iid=SF_LN

5 tips to help you save your first $1,000 Most Americans don't have $1,000 in savings. Here's what to do if you're one of them.

The average American spends 33% more money than they earn: https://www.forbes.com/sites/winniesun/2017/05/04/why-you-need-to-stop-spending-money-right-now/

Why You Need To Stop Spending Money Right Now You’re going to want to sit down for this next statistic. Go ahead. Ok, comfortable? Great. In 2016, the total U.S. household debt rose to $12.6 trillion (yes, with a “t”), an increase of $460 billion over 2015 and the highest increase in a decade.

The household debt-to-income ratio now stands at 169.4, up 23% from a decade ago: http://www.news1130.com/2017/04/24/drowning-debt-new-normal-canada/

Drowning in debt is the new normal in Canada - NEWS 1130 An expert in consumer insolvency describes what it's like on the front lines of Canada's worsening household debt crisis.

“Be excellent when nobody’s looking.” – Jason Ortiz

6 in 10 Canadians are less than confident in their understanding of the impact of interest rates on debt payments: http://www.investmentexecutive.com/-/financial-literacy-and-surging-debt-go-hand-in-hand-survey-finds

Financial literacy and surging debt go hand-in-hand, survey finds - Article - investmentexecutive.com There is a lack of basic financial literacy skills among Canadians to understand and manage their debt

Six steps to help you reduce credit card debt: http://time.com/money/collection-post/2791963/get-rid-of-credit-card-debt/

How Do I Get Rid of My Credit Card Debt? Step 1: Figure out what you owe. Gather your credit card statements and make a list of all the balances and interest rates for each.…

Total consumer debt in Canada (including mortgages) as of September 2016: $1.973 trillion, up 4.9% from the previous year: http://canada.creditcards.com/credit-card-news/canada-credit-card-debit-card-stats-international-1276/

Canadian credit card, debit card and debt statistics Find Canadian consumer statistics on credit card debt, delinquencies, credit scores, debit cards and more

Check out five strategies people use to stay on top of their bills: http://www.businessinsider.com/money-management-bill-paying-strategies-2016-12

There's no single right way to manage your money — here are 5 of the most common strategies people use to stay on top of their bills Not every money management strategy will work for you.