The mass-affluent are getting more serious about long-term financial objectives, although there is still a major gap between their retirement savings and retirement goals.

Retirement investing has moved back to the top priority again for mass-affluent Americans while paying down debt slides to second place, according to the semi-annual Merrill Edge Report released Monday, Oct. 28. The report defines mass-affluent as people with $50,000 to $250,000 in total household investable assets.

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