[kelnos]

It's not easy, but I think a lot of the people who don't save, actually could. Part of the problem is people don't think they can save "enough to matter", so they never start. Even starting with just tossing $5 or $10 a month into savings account can help. It kickstarts the habit, at least, and often people can later justify raising that amount or putting in a little more here and there.

For some other people, if they'd drop the "keeping up with the Joneses" mentality even just a little bit, they could develop significant savings.

Yes, there are many people in the US who are just barely getting by, and can't meaningfully save without making cuts to essential spending, but that certainly doesn't describe everyone who currently lives paycheck-to-paycheck.