<prompt> Human: and 45 of ALL workers have less than 10,000 saved. I know most of you are not part of this statistic so Im curious on your take on this. Is it because they dont have the opportunity to save due to economic factors? Or is it because of lack of personal responsibility? Many of these people obviously wont be able to support themselves in retirement and how will that effect those of us who are prepared?  <response>: I know that in my case 26, I havent made it up to 10k saved yet due to job circumstances, one after the other. Graduated 4.5 years ago and wasnt able to land a well-paying full time only contract or temp job until a year ago. Add that to the fact I pay more in student loans every month than rent my biggest regret, saving has been tough. Each time a temp jobcontract job ended, Id have to live on my savings until I could find the next job. I graduated at the peak of the recession and there are so many people my age who have had troubles finding jobs after college. Its not always about wanting to save more money, but also about not having the means to since so many college graduates are unable to find work. 