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Free Money Finance


Americans Stink at Saving

Posted: 17 Nov 2016 02:05 AM PST

Well, it's been some time since I've posted on how bad Americans are at managing their money, so let's get to it today.

Here's a piece from Go Banking Rates that lists how much Americans have in savings by state. They begin with this summary:

When it comes to saving money, Americans aren't doing a very good job. In a 2015 survey, GOBankingRates.com found that 62 percent of respondents have less than $1,000 in a savings account. In fact, 28 percent said they have $0 saved.

We recently asked the question again in a survey of more than 7,000 adults to find out how much Americans had in savings accounts in every state. The results aren't very encouraging. In most states, 30 percent or more of residents have no money in their savings accounts. And, more than 60 percent of residents in every state but six have less than $1,000 set aside.

Is anyone surprised? I'm not.

But really? 30% have NO money (maybe they have some but it's just not in a savings account)? And 60% have less than $1,000? Ugh.

They then list the stats by state in no particular order (which is frustrating to look through) -- could they have made it less convenient to read?

Anyway, I scrolled through a ton of states to find Colorado, where I live. The results:

  • Percentage of residents with $0 saved: 35%
  • Percentage of residents with less than $1,000 saved: 66%

Worse than average. Double ugh.

No one is that much better. Even the "good" states are 25% and 60%, which is not good either.

How hard is it to sock away $1,000? Sure, there are some income levels that can't do this. But that's like 10% to 20% of the population at most, right?

So what does 60+% do when an emergency pops up? How do they handle it? Credit cards? Triple ugh.

People, people, people. Mind the gap. It is your friend. It can save you from TONS of financial problems.


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