With New Year’s Eve on the horizon, Americans are also resolving to improve their personal finances in 2014. While only 33 percent say they have already reached a savings goal, another 42 resolve to reach theirs in the year ahead. Just 39 percent say they were able to save and invest today, while another 41 percent resolve to save and invest more in 2014. Thirty-six percent say they have an “up-to-date” will, with an additional 32 percent resolving to ensure they have one in the coming year.Americans of all ages are preparing themselves financially for the future, including Millennials. Millennials are the youngest demographic in the workforce and many seem to know they need to do more to prepare for their financial futures. They say they are resolved to do more in most areas of financial improvement in 2014, with 42 percent resolving to have a formal financial plan (compared to 29 percent of the general population) and 50 percent resolving to get a higher paying job (compared to 27 percent of the general population). About The Citi Economic Pulse The Citi Economic Pulse is calculated by subtracting negative responses to each item from the positive responses for 8 Pulse items, divided by 8. The 8 Pulse items include: current condition of the economy in area; business conditions in area over the next twelve months; current employment opportunities in area; buying climate for big ticket items; personal financial situation compared to a year ago; outlook on personal financial situation for the next twelve months; comfort with current level of savings; and comfort with current level of debt. The Pulse scale can range from +100 (if every respondent gave positive response to each of the 8 questions) to -100 (if all respondents expressed consistently negative views). Hart Research Associates conducted the telephone survey of 1,817 adults from November 14 to November 20, 2013. The overall statistical margin of sampling error is ±2.31 percentage points for the main sample and is higher among subgroups.