Sensing that the recession is nearing an end but that the recovery will be a long road ahead, Americans are planning drastic changes to the way they approach money, saving and investing, with 18% planning to save more, Country Financial found in a survey of 3,000 people.

Sixty one percent said they have been adversely affected by the recession, yet 48% said the way their family has coped with the economic downturn excellently or well. Still, 52% of this group said it will take at least two years for their financial situation to recover.

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