Americans plan to continue cutting back on their spending, a survey by financial consulting firm AlixPartners found. Once the recession is over, they plan to spend only 86% of what they did before the crisis began. And their No. 1 goal is replenishing their 401(k) and other retirement savings.

That said, Jeff Carbone, a partner with Cornerstone Financial Partners, recommends three pieces of advice for investors, beginning with focusing on their own long-term goals and their own personal economy, rather than getting rattled by all of the bad economic news. With that, Carbone recommends that people have eight months’ worth of their salary saved in case they lose their job or another catastrophe happens.

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