Monetary policy determines the amount of money that flows through the economy.
The uncertain economy is continuing to take its toll on Americans' personal finances, new research shows.
A study by Bankrate.com revealed that just 55 percent of U.S. consumers have more emergency savings than credit card debt.
While that's slightly up from 54 percent last year and 52 percent in 2011, Greg McBride, Bankrate.com's senior financial analyst, said the debt-to-savings ratio isn't really improving for most adults.
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