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23 Dizzying Average American Savings Statistics (#GotBitcoin?)

Everyone wants to save more money, but figuring out how to do it is usually the hardest part. While the economy is continuing its slow recovery, many Americans still struggle with being able to set aside a little something for the future. Millennials, in particular, are facing a tougher uphill climb as they face a tougher job market and big student loan bills. 23 Dizzying Average American Savings Statistics (#GotBitcoin?)

23 Dizzying Average American Savings Statistics (#GotBitcoin?)

Finding more money in your budget begins with cutting out unnecessary expenses. Sometimes, though, that still isn’t enough to put you in the black. CreditDonkey decided to dig a little deeper into how much people are actually saving in the U.S., and what we found was surprising, to say the least.

Measuring The Saving Habit

Some people are naturals when it comes to saving while others have to work a little harder to build the habit. The statistics we uncovered show that a shocking number of Americans have no savings at all, and that those who are saving are setting aside less money than they have in previous years.

1. How Many Americans Have Zero Savings?
The number of Americans who have no cash in the bank to fall back on is staggering. Approximately 26% of adults have no savings set aside for emergencies, while another 36% have yet to start socking away money for retirement.

2. What’s The Average Bank Account Balance?
While millions of Americans have no savings, many of them have managed to stash a few bucks in their checking account. As of 2013, the average bank account balance hovered around $4,436.

3. What Is The Personal Savings Rate In The U.S.?
The personal savings rate is the average amount of earnings people in the U.S. are putting away for rainy days. Through the end of 2014, the rate was 4.4%, which is a steep decline from the 10.5% rate in 2012.

4. How Many Adults Don’t Have A Bank Account?
Saving money is tough when you don’t have a place to park it. Approximately 7.7% of American households function without a bank account. That’s close to 10 million households altogether.

5. How Many Adults Live Paycheck To Paycheck?
An estimated 38 million households in the U.S. live hand to mouth, meaning they spend every penny of their paychecks. Surprisingly, two-thirds of them earn a median income of $41,000, which puts them well above the federal poverty level.

How Savers Compare Demographically

Aside from how much money you make and what your expenses are, there are a number of other factors that can determine whether you’re able to save money. Specifically, we considered how race, age and geographic location influence individual saving patterns.

6. Does Race Impact Savings Rates?
Research suggests that racial minorities face a tougher road when it comes to saving money. Around 75% of Latino and African American households have less than $10,000 saved for retirement, and nearly two-thirds of minority households don’t have anything set aside for the future.

7. Which Generation Is The Best At Saving?
Baby boomers tend to do better when it comes to hanging on to their extra money. Adults aged 55 and older have a positive personal savings rate of about 13%.

8. Which One Is The Worst?
Millennials, on the other hand, meaning adults who are 35 and under, have a personal savings rate of negative 2%. Between high student loan debt and stagnating wages, saving anything at all proves to be impossible for many of them.

9. Which Cities Are The Best For Savers?
Some cities make saving easier than others, thanks to higher wages and a lower cost of living. Through 2014, Baltimore made the top of the list, with a median household income of $73,816 and median expenses of $49,566.

10. Which Ones Are The Worst?
If you like the desert, you’ll want to move somewhere other than Phoenix if you’re trying to save money. Residents here face median expenses that are $1,136 higher than the median annual income.

Saving For Emergencies

Having an emergency cash buffer in place is a must if you want to safeguard yourself against potential financial disaster. While finance experts vary in their estimates of how much you need to save, they all agree that having that cushion is a necessity. Based on the numbers, however, it seems that far too many Americans don’t have adequate protection.

11. How Many Americans Have Less Than $100 In Emergency Savings?
Almost half of Americans would not be able to cover an unexpected expense of $500 or less. Almost a quarter would not be able to cover even $100. An estimated 22.9% of men and 22.7% of women say they don’t have at least a Benjamin in their emergency fund.

12. How Many Americans Have Less Than $500 Saved?
Having $500 in the bank for emergencies can give you a sense of financial security but for 41% of adults, it’s still a pipe dream.

13. What Percentage Of Americans Have A Three-Month Emergency Fund?
Saving three months’ worth of expenses is a lofty goal. In a survey when Americans were asked if they have a 3 to 5 month emergency fund, just 17% said they do.

14. How Many Have Six Months’ Worth Of Expenses Saved?
Twenty-three percent of adults surveyed acknowledge having an emergency fund that could last them at least six months.

15. Who’s More Likely To Have An Emergency Fund?
Age, income and race play a part in determining how Americans save for emergencies. For example, 36% of retirees have a 6-month emergency account compared to 16% of 18 to 29-year-olds. Ten percent of college grads lack any savings versus 36% of those with a high school diploma or less.

Planning For Retirement

With Social Security payouts expected to decrease to about 75% of their current limit over the next several decades, planning for a secure retirement has become more important than ever. Unfortunately, study after study shows that millions of workers are lagging behind on their savings goals.

16. How Many Americans Aren’t Saving For Retirement?
The sooner you start saving for retirement, the better – but that’s something 36% of adults haven’t gotten around to yet. More than a quarter of adults aged 50 to 64 aren’t saving anything for their golden years.

17. How Much Do Savers Expect To Need When They Retire?
How much cash you’ll need in retirement will vary based on your current income and expenses. Among middle-class workers, $250,000 is the median amount they’re aiming to save.

18. How Much Are They Saving Each Month?
Building up a quarter of a million dollars in savings takes time, and many adults may fall short. On average, workers aged 30 to 49 are saving $200 a month for retirement while those aged 50 to 59 are adding a mere $78 to their accounts.

19. What’s The Average 401(K) Balance?
At the end of 2013, the average 401(k) balance was a healthy $101,650. The median balance, however, was just $31,396, which means that half of the workers participating in their employer’s retirement had that much or more while the other half had less.

20. How Much Are People Contributing To Their 401(K)?
While 93% of middle-class workers are participating to a 401(k) plan, 67% of them are only saving enough to qualify for the company match. The median contribution amount for those between 30 and 59 years of age is 7% of their salary.

21. What’s The Median Net Worth In America?
Among seniors aged 55 to 64, the median net worth is around $165,000. By comparison, those in the 35 to 44 range boast a net worth of about $50,000. The 18 to 34-year-old millennial set fare the worst, with a net worth of $11,000.

22. How Worried Are Americans About Their Financial Future?
Being prepared for retirement is a top financial concern for Americans; 59% say that running out of money is their number one fear.

23. How Many Americans Say They’ll Never Retire?
Working past retirement age has unfortunately become a reality for many seniors. In 2013, 7% of employees said they plan to stay on the job indefinitely. That’s a big jump from the 2% who made the same claim in 2011.

Conclusion:

Saving money should be a priority for everyone but as evidenced by the statistics we found, it’s not necessarily a cakewalk. Sometimes it’s as simple as cutting out that daily latte but for other Americans, their financial reality presents some much bigger obstacles.

Survey: Savings Statistics

Close to half have no cash savings and are living on the edge of financial disaster, according to a recent CreditDonkey.com survey. While 59% of respondents reported having more than $500 in savings, the other 41% do not have a cash safety net.

23 Dizzying Average American Savings Statistics (#GotBitcoin?)

It’s not what you may think: this 41% is made up not only of people living at or below the poverty line. They are also dual-income earners with nice homes, nice cars, nice toys, a 401K retirement savings plan, big mortgages. and big credit card bills. But if they ever get into a bind and need some quick cash – say, because of a car breakdown or an unexpected doctor visit – they don’t have it.

While this group may be rich in home equity and other investments, their assets are not liquid. In other words, none of those items converts easily into cash in an emergency. People in this situation even have their own name – the “liquid asset poor” – a term coined by the Washington, D.C.-based advocacy group Corporation for Enterprise Development. With no cash reserves, they are just one paycheck away from financial ruin should an emergency or a job loss happen because they cannot easily access cash on a moment’s notice.

It’s not what you may think: this 41% is made up not only of people living at or below the poverty line. They are also dual-income earners with nice homes, nice cars, nice toys, a 401K retirement savings plan, big mortgages. and big credit card bills. But if they ever get into a bind and need some quick cash – say, because of a car breakdown or an unexpected doctor visit – they don’t have it.

While this group may be rich in home equity and other investments, their assets are not liquid. In other words, none of those items converts easily into cash in an emergency. People in this situation even have their own name – the “liquid asset poor” – a term coined by the Washington, D.C.-based advocacy group Corporation for Enterprise Development. With no cash reserves, they are just one paycheck away from financial ruin should an emergency or a job loss happen because they cannot easily access cash on a moment’s notice.

Sadly, the CreditDonkey.com survey also found that more than half of respondents (54%) said they may be stuck in this situation for the foreseeable future. They have not set up an emergency cash savings strategy.

23 Dizzying Average American Savings Statistics (#GotBitcoin?)

Interestingly, while these same respondents do not use a budget or an automatic savings plan (such as designating a specific portion of their income every paycheck to help them manage and save their money), almost half (45%) admitted they are most concerned about not being able to ever save much money.

23 Dizzying Average American Savings Statistics (#GotBitcoin?)

Many families may be put off by the concept of having enough cash savings to cover 3-6 months worth of earnings in case of an emergency, such as a job loss or medical condition. But the truth is many families can tighten their belt and begin to save at least some cash for smaller emergencies. That way, they can cover unforeseen expenses that just “pop up,” like a car or household appliance breakdown.

It’s better to use cash for such emergencies, to keep debt at bay rather than make an unplanned strain on credit resources.

CreditDonkey.com polled 1,105 Americans between September 17 and September 25, 2012.

 

Sources and References

Updated: 11-16-2019

What Retirement Crisis? Number Of 401(K) And IRA Millionaires Hits Record High

Plus, expert advice on how you can hit the $1 million mark too.

There are more millionaires next door.

Despite that fact that most people are undersaved for retirement, a study released by Fidelity Thursday shows that the retirement savings picture isn’t quite as grim as you might think. Indeed, the number of 401(k) and IRA millionaires hit a record high at the end of the third quarter, Fidelity found.

“The number of people with $1 million or more in their 401(k) increased to a record 200,000, up from 196,000 at the end of Q2, while the number of IRA millionaires increased to 182,400, also a record high and an increase from 179,700 last quarter,” the report revealed.

What’s more, employee savings rates hit a record high: As of the 12-month period ending in the third quarter, 32.3% of workers increased their 401(k) contribution rate — a record high; by comparison, for the 12-month period ending in the third quarter of 2009, only 12% percent of workers increased their contribution rate. (Interestingly, a recent Bankrate survey had a similar finding: that 29% of Americans had increased their retirement savings contributions from the year prior). Now, the average employee contribution rate is 8.8%, which is nearly a full percentage point higher than a decade ago, Fidelity reports.

But don’t pull out the confetti yet: Most of us still don’t have enough saved for retirement. Fidelity data show that the average 401(k) balance is still only $105,200, and the average IRA balance is $110,200, both down slightly from the previous quarter. And an analysis done by the Employee Benefit Research Institute found that more than four in 10 U.S. households where the head of household is between the ages of 35 and 64 will likely run short of money in retirement.

If you’re far from being a 401(k) or IRA millionaire, there may still be time for you to save more. Here are some expert tips on how to do it:

Up your savings motivation, says certified financial planner Bobbi Rebell, host of the Financial Grownup podcast. “The best way to do that is to simply look at your numbers. Run an online calculator and see where you are relative to your goals. Odds are that will motivate you to take action.

What’s more, you should remember that “the money you contribute to your 401(k) is not taxed,” explains says certified financial planner Mitchell C. Hockenbury of 1440 Financial Partners in Kansas City, Mo. “But, it would be if it made its way to your paycheck. Therefore, just because you increase your contribution by $100 a month does not mean you have $100 less in your paycheck.” But remember, that money will be taxed upon withdrawal.

Make your savings automatic, advises Hockenbury. “Many 401(k) plans now have a cool feature that automatically raises your contribution to the plan by 1% each year. If you haven’t opted-in to this when you set up your plan, it is a great idea to do so today,” he says.

Increase your savings rate — even if you can only do it by a small amount. “Increasing your contribution rate, even by 1%, can make a big difference in your long-term retirement savings – what may seem like a small amount today can have a significant impact on your account balance in 10 or 20 years,” said Kevin Barry, president of Workplace Investing at Fidelity Investments, in a statement.

Use your raise towards retirement, says Hockenbury. “You know ahead of time you are going to receive a raise, before you get your next paycheck, go into the plan and increase your contribution amount,” he says.

Look for where you can free up extra money that you then sock away for retirement. “The big option right now could be taking a look at your mortgage, and seeing if the math works to refinance, and lower your monthly payments,” says Rebell. “The extra cash could then be put towards retirement savings.” Adds Hockenbury: “There are an awful lot of monthly memberships people sign up for and don’t use. Can you eliminate one or two and use the money to put towards an IRA, Roth IRA, or 401(k)?”


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