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That article doesn't surprise me at all. Don't remember the exact percentage, but I heard on one of the podcast I listen to that a huge percentage of people in the US do not have a grand in savings. I ran through money back in the day racing cars and motorcycles, and I mean through it like water. But when my dad found out he had esophageal cancer when he was 42, and had to stop working, I quit my racing, and helped my family. I learned more about budgeting at that time than I ever had, and it has continued on till this day. I can save money without even trying or thinking about it, it's just easy for me. Plus, I've been self employed before for awhile, and you dang straight can learn how to pinch the hell out of some pennies then, lol.