Just 29% of Americans—approximately 73 million people—are financially healthy, according to the Financial Health Network’s Financial Health Pulse report released today. That figure was up only one percentage point from a survey conducted a year ago. Fifty-four percent of Americans were classified as “financially coping,” struggling with some but not all aspects of their financial lives—such as spending less than they earn, saving, paying bills on time and managing existing debt—while 17% were considered “financially vulnerable,” struggling in all or nearly all areas.