I bet a lot of the people with little savings would argue that they didn't F up, they just were born into a poor family. If you are poor, it's much harder to t

I bet a lot of the people with little savings would argue that they didn't F up, they just were born into a poor family. If you are poor, it's much harder to take risks and try to get ahead. You are always on the hook for your rent and can't just go ask your parent for a 0% interest loan to help you out for a couple months. Yes, a lot of Americans have bad financial habits and buy unnecessary things. But some of these people with little savings are doing everything they can to stay afloat and just don't have the luxury of doing an 8 week data science boot camp to get a better job (or they would miss rent and get evicted).