[HLRoku]

Correct me if I'm wrong but I thought the point was that savings accounts are not worth it, leading many people to say their saving accounts are barren, not that they don't have savings saved up.

Personally I'd fall into that category, I put all my money in checking since the interest is so poor in savings accounts I'd rather see that money go to some retirement fund or investment than see it get so little return in interest and restrict how much money I can take out of the account at any given time.

[maxerickson]

A big chunk of people just don't have any money held in reserve:

https://news.ycombinator.com/item?id=10354263

[HLRoku]

Well, that's depressing.

Almost hard to believe, to be completely honest -- but I might just be around the right group of people?