[lazyasciiart]

Are you excluding all the people with disabilities or chronic illnesses or supporting children or parents or other dependents with disabilities?

[sheepolog]

Not at all! I would guess that a sizable minority of "can't save money" people are in that position due to chronic illness or supporting others.

I have no idea what it costs to support a family member with a disability; probably varies wildly but I would guess it's about the same annual cost as raising a child? Except that annual cost never goes away.