The New Year is normally a time to launch long-term financial goals, but millions of Americans are taking it one day at a time.

More than one-third, 38%, of people say they’ll be in “survival mode” in 2021, according to Fidelity Investments’ annual New Year Financial Resolutions Study released this month.

Survival mode entails being focused “on the day-to-day as I try to get myself and/or my family through the next year,” the poll of more than 3,000 people said.

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