Three-quarters of Americans consider themselves to be financially stable, but more than 48 percent lack the savings they say they would need to achieve actual stability, according to a new survey.

The survey, by banking giant Citi, found that 51 percent of the respondents plan to use their tax refunds this year to save, invest or pay down debt. However, 25 percent said they do not plan to save any money this year, even though a majority of them acknowledged that saving is important.

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