<prompt> Human: Just read this article and am seriously scratching my head. I figured this reddit is the way to figure it out.Im a millenials. I have a masters with student loans, a spouse, kids, cars and a house. I do not have 100k in the bank and couldnt imagine saving 25 of my income. When I think back into my first job outside of college which required a degree marketing assistant for 11.59, there was no way I could imagine living off 25. It didnt include benefits either! It took years to be able to work my way up and save. Graduating during a recession and fighting for jobs with people with more experience then I was alive was tough. Many of my peers are still working to pay off loans and I should be free this year.So what do you think- 1 in 6 is likely or bull?Thanks!  <response>: So my job at one point involved reviewing peoples financials. I can tell you lots of people regardless of income exist with no real savings. Debt is far more popular than savings. However this reddit group is more like to attact the savers. I have always lived below my means and started at 12including 6 match into 401k and aiming for 20-25 since I was 24. I had some good mentors at work so I really have no idea what a full paycheck looks like. It adds up fast. So basically the real trick is make the choice and live on what is left over. Not the other way around.Best part is 401kira are professionally managed for no fee through my work. One you start paying for professional management you realize what a win this is. 