If you're like most people, you probably know it's hard to save money. Really hard. But do you know why?

Sure, we all know that one person who is really good at managing money and seems to have this whole saving thing figured out. But for the rest of us, storing all those "acorns" away for the winter is just tough. We all know it's important, but where — and how — do we even start?

First, know that you're not alone: Research shows that a lot of Americans don't have much in savings. One survey of about 5,700 people released by the Federal Reserve found that 46% of adults could not cover an emergency expense of $400 without selling something or borrowing money.

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Have you ever thought about how much stuff you have?

Think about everything — from furniture to appliances all the way to that shirt you bought on sale that one time that you swear you're going to wear one day. How much do you estimate it adds up to? (Don't worry, we'll wait.)

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It's not uncommon to hear about the financial struggles of former NFL players who, in spite of multimillion-dollar deals, are now living paycheck to paycheck.

It's easy to judge them, but that's ignoring a very real truth: Financial literacy is a privilege often afforded to the already wealthy, not the newly wealthy.

As Justin Tuck, retired Giants defensive end, told Reuters, "Look at the average NFL roster, and most players come from low-income families. They go from being 18-year-old kids with nothing to being 21-year-olds with millions of dollars. ... They get all this money all of a sudden, and they just don't know how to handle it."

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