Around half of all Americans couldn't fund a $400 emergency, most Americans have far too little saved for retirement, and as many as 65% of Americans have reported losing sleep over money woes, according to CreditCards.com. Long story short, many Americans struggle with money. And, while there are absolutely situations where uncontrollable factors cause money worries -- like health issues -- there are also many circumstances where financial mistakes are the root of the problem.In fact, here are three reasons Americans end up in over their heads and coping with money troubles. Continue reading