I am trying to understand why no one has any real savings built up any more. I seeing articles left and right that are disturbing about how little people have in for retirement. But besides retirement just basic liquid emergency savings it what shocks me is how little people have in there. So many people do not even have 500 put away much less 3+ months expenses so even a little change completely fries them. That part of the problem we got into in this current mess is people where living paycheck to paycheck hardly being able to cover there debts and cost per months then you run up fuel prices and completely messes them up. I had a few friends this summer that where really stretch with the gas prices. I personally am doing pretty well and figure out how to save money with my own tendencies to over spend. One for me was keep my checking account artificially low by just pulling money out at the end of the month and putting into my savings it has that can not touch that feeling mentally on it. Mix that with an automatic transfer every paycheck that is treated as a bill really help me build up my savings this year since getting out of college. It made it nice for me when I had to do 500 or so repairs on my car and have another 500 forthcoming does not make me worry where am I going to get the money to cover it. I just do not get why people do not just save some money and get a small emergency fund built up.