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Middle-class families share how much they have in their savings accounts and it's eye-opening

"We make the most money we ever have and have zero savings. We live paycheck to paycheck and every month I don’t know how we get by."

Many middle class families are sharing that they have nothing in savings right now.

According to an April 2024 Gallup poll, 54% of Americans identify as part of the middle class, with 39% identifying as "middle class" and 15% identifying as "upper-middle class." That percentage has held fairly steady for years, but what it feels like to be a middle-class American has shifted for many.

Notably, inflation caused by the pandemic has hit middle-class families hard, with incomes not keeping up with cost-of-living increases. Housing costs have skyrocketed in many areas of the country, mortgage interest rates have risen to levels not seen since the pre-Obama era, and grocery bills have increased significantly. One government study found that the cost of living has increased between around $800 and $1,300 a month, depending on the state, since 2021, putting a squeeze on everyone, including the middle class.

How much money do middle-class Americans have in their savings accounts?

One woman shared that her family is just getting by and asked other middle-class people to "chime in" with what they have in their savings accounts.

@abbyy..rosee

somethings gotta give #savings #middleclass #relatable

"I swear, every paycheck I am putting money into my savings, but needing to transfer it back within a few days," shared @abbyy..rosee on TikTok. "My registration is due. My husband's registration is due. He needed two new tires, even though they had a warranty. That's $300. My oldest needs braces, he needs a palate expander, that's $120 a month. Not to mention groceries are $200 more a week. Forget about feeding your family great ingredients because who has $500 a week to spend on perfect ingredients to feed your family?"

middle class, cash, savings, family finances, dollar bills, A depressed couple doing their bills.via Canva/Photos

She explained that her husband makes enough money that they should be able to live comfortably, and that she quit her job because the cost of daycare was more than she was making.

"At some point, something has to give," she said. "What is going on? How do I save money?"

People in the comments chimed in with their savings account totals and it was quite eye-opening. Many people shared that they have $0 saved.

"We make the most money we ever have and have zero savings. We live paycheck to paycheck and every month I don’t know how we get by."

"I think the middle class is 1 personal disaster away from bankruptcy."

"Y’all got savings accounts?!?! 😂"

"I used to freak out if I had under $10k in savings, now I’m happy when I have over $150. 😫"

"We make almost 100,000 a year with no savings!!!! It's always something!!"

"I'm lucky if we have $500-$1K for an emergency. Every single time we start saving, something happens: the vet, the cars, the kids... something."

"Savings account? I transfer money each paycheck but always end up needing to transfer it back. My husband makes great money too but we are scraping by."

"$803 but we have to pay a $750 deductible this week b/c my Husband hit a deer soooo… back at it 😭 It’s exhausting. Constantly draining it, refilling it, transferring."


middle class, cash, savings, family finances, dollar bills, An upset couple doing their bills.via Canva/Photos

Some people shared that they do have some savings, but several said it was because they'd had an inheritance or other chunk of money come their way. Many people shared that their savings has dwindled as increased costs have taken their toll. Some people gave lifestyle advice to save money, but most agreed that just the basics have gotten so expensive it's harder to make ends meet much less put extra into savings.

Thankfully, the inflation issue appears to be waning, but even just plateauing at their current financial reality isn't ideal for many American families. Middle class is supposed to be a comfortable place to be—not rich, but well enough off to feel secure. That's not how many middle class folks feel, though. Most Americans don't have anything close to the amount of money saved that is recommended across the age spectrum, but at least hearing that others are in the same boat is somewhat comforting.

middle class, cash, savings, family finances, dollar bills, An upset couple doing their bills.via Canva/Photos

Further, a 2024 study found that 37% of Americans can't afford an unexpected expense over $400, and nearly a quarter of them don't have any emergency savings at all. “Not all surprises are good, and people know it. The study suggests financial precarity at a time when household finances may be stretched due to rising prices and inflation,” says Rebecca Rickert, head of communications at Empower. “Life happens, and people are stressed about the surprise expenses that could tip them off-balance.”

It can be vulnerable to share your financial reality, but it's helpful to hear what other people are doing and dealing with so we all feel less alone when we're struggling. Perhaps if people were more open about money, we'd all be able to help one another find ways to improve our financial situations rather than lamenting our empty savings accounts and wondering how to change them.

This article originally appeared last year.

If there's one thing we know about Donald Trump, it's that he likes to put his name on things.

Photo by Scott Olson/Getty Images.


Trump Tower, Trump Taj Mahal, Trump Vodka, Trump Shuttle. Trump Steaks, Trump University — the Trump portfolio is vast and varied indeed.

Whose casino is this again? Photo by Jewel Samad/Getty Images.

But even under the harsh, unforgiving spotlight of a presidential campaign, one Trump brand has mostly flown under the radar: Trump Highway.

Photo by Jon Comulada/Upworthy.

Apparently, Donald Trump was so taken with the the two-mile stretch of the southbound side of Manhattan's Henry Hudson Parkway that runs past Trump Place Apartments that he up and adopted it.

Which means it's basically one of his children now.

And if there's another thing that's manifestly true about The Donald, it's that he loves his children (sometimes, perhaps, a little too much).

What happens when a man whose name is synonymous with "class" decides to stamp his name on a short stretch of previously unassuming parkway?

With his reputation and brand on the line, how could it not be glitzy? How could it not be beautiful? How could it not be the cleanest, shiniest, classiest road in America?

I decided to see for myself.

What a lovely place for a stroll. Photo by Jon Comulada/Upworthy.

It's not particularly walkable, but hey, it's not too far from where I live, so I figured what the heck. I'll dodge a few Miatas to take a look.

What I found was a great highway. The best highway. The winningest highway. Exactly the sort of pristine, well-manicured thoroughfare you'd expect from a man dedicated to providing the world's most elegant driving experience.

A beaut! Photo via iStock.

Just kidding. I found a shitload of trash.

Photo by Jon Comulada/Upworthy.

Roughly 75 pieces, after walking only about one-tenth of the length of it.

These are the top 23. The best pieces of trash. The classiest pieces of trash.

1. A sock in a tree.

Trump highway features only the most luxurious socks in only the branchiest trees. Photo by Jon Comulada/Upworthy.

2. Half of a credit card.

Cash only, baby. Ring-a-ding-ding. Photo by Jon Comulada/Upworthy.

3. A bag from Tory Burch.

The best shopping bags. The emptiest bags. The most sideways bags! Photo by Jon Comulada/Upworthy.

4. A hubcap.

Whoever said a hubcap is best when attached to your car was an idiot. On Trump Highway, we fill them with leaves and sticks and bury them in a dirt pile for several weeks. Photo by Jon Comulada/Upworthy.

5. Bangladeshi chicken crackers.

Folks, when Trump is president, there will be no more of these savory poultry snacks entering the U.S. until we find out what's going on. Photo by Jon Comulada/Upworthy.

6. A Visa gift card sleeve.

Trump's empty gift card wrappers have won dozens of awards, including the Pulitzer Prize. Photo by Jon Comulada/Upworthy.

7. A cigar wrapper.

Cigars, boys. Cigars! Photo by Jon Comulada/Upworthy.

8. Another cigar wrapper.

Cigars for everyone! Come and get 'em! Photo by Jon Comulada/Upworthy.

9. Another cigar wrapper.

An excessive amount of cigars! Photo by Jon Comulada/Upworthy.

10. A box of candy-coated peanuts.

Every driver on Trump Highway is treated to America's absolute favorite candy, according to all the polls. Photo by Jon Comulada/Upworthy.

11. A bottle of Mike's Hard Pink Lemonade.

Circumvent open container laws by drinking your wine coolers with the cap still on! Photo by Jon Comulada/Upworthy.

12. A blue car freshener.

On Trump Highway, your car will be freshened with only the most natural scents. Photo by Jon Comulada/Upworthy.

13. An empty bottle of Jose Cuervo.

Choose from our selection of premium ... wait, how did this get over the wall? Photo by Jon Comulada/Upworthy.

14. A crushed can of Red Bull.

Free Red Bull with the purchase of two or more Trump Vodka shots. Photo by Jon Comulada/Upworthy.

15. A sneaker.


Our tennis courts are #1 in the known universe, including heaven. Photo by Jon Comulada/Upworthy.

16. A latex glove with a cigarette butt sticking out of it.

Should you crash through the median, simply pick up the gold courtesy phone and our award-winning medical staff will come to your aid. Photo by Jon Comulada/Upworthy.

17. A sheet of Hebrew School homework.

Trump Highway has a great relationship with the Jews. Who doesn't love a bagel with strawberry cream cheese? Classic. Photo by Jon Comulada/Upworthy.

18. An old, muddy T-shirt that says "Cramming for Exams."

Each mile driven earns a free credit at Trump U. You may never graduate, but the SWAG is on point. Photo by Jon Comulada/Upworthy.

19. A fold-out ad for a furniture store.

You'll be provided with deals! All the deals! Photo by Jon Comulada/Upworthy.

20. A portable car ashtray.

We'll even help you quit smoking. Photo by Jon Comulada/Upworthy.

21. A single serving of yogurt!

Our continental breakfast is prepared by world-renowned chefs Jacques Pépin, Nobu Matsuhisa, and Jesus! Photo by Jon Comulada/Upworthy.

22. An empty box of Trojan Magnum condoms.

No matter how tiny your hands are. Photo by Jon Comulada/Upworthy.

23. A Coke with a straw still in it.

Leave your Cokes. Come back and drink 'em later. A+ security here on Trump Highway. Photo by Jon Comulada/Upworthy.

Now, I don't expect the guy to be out there every day picking up used napkins and empty condom boxes with his bare hands.

As much as I'd like to see that — oh boy howdy would I like to see that — Trump is in his 70s and, well, kind of busy these days.

Trash left at a Trump rally in Pennsylvania. Photo by Mark Makela/Getty Images.

While the string of roadside garbage certainly doesn't make him or his organization look great, the amount of trash I found isn't necessarily any different or worse than what you'd find on the side of any other urban highway anywhere in America. It's most likely serviced by an outside contractor, per New York City Department of Transportation guidelines.

And honestly, not maintaining his Adopt-a-Highway all that well is, like, probably the 578th most offensive thing about the man (for more on this, see Trump's nonsensical attacks on Mexicans, bigoted fear of Muslims, misogyny, surprisingly aggressive and frequently anti-Semitic white nationalist supporters, and also basically every quality that exists).

Why do 23 pieces of garbage matter this election year? Because Trump insists that his name is synonymous with quality.

Much gold. Very swank. Photo by Timothy A. Clary/Getty Images.

It's a name he claims is responsible for a substantial percentage of his net worth — $3 billion, to be precise. It's a name that allows him to declare himself a runaway success at business. He professes to be able to do for the country what he's done for the products that bear his name.

It's the reason he wants us to let him run the United States of America.

And he went and stamped it on an Adopt-a-Highway that is, like, pretty filthy.

In this way, Trump Highway actually fits right in with the rest of the Trump business model. Like Trump Steaks, which are reportedly terrible, Trump Shuttle, which failed, Trump Hotels and Casino Resorts, which went bankrupt, or Trump University, which is under investigation for scamming students.

Individually, each one is a blip. But added together, they make you think...

Is Donald Trump really the results-driven, cut-no-corners, spare-no-expense, ultra-competent manager that he claims to be?

Photo by Spencer Platt/Getty Images.

Or does he just play one on TV?

Photo by Andrew H. Walker/Getty Images.