These numbers are based on flawed methodology. BLS data has the median US household having $1000/mo in discretionary spending. Of those that save it rather than

These numbers are based on flawed methodology. BLS data has the median US household having $1000/mo in discretionary spending. Of those that save it rather than spend it, they're unlikely to do so in a classic savings account, but add it to their checking account or an investment portfolio. Many people, including very rich people, don't even have a savings account yet they'd be counted in your 45% as "having no money in a savings account" or "having less than a thousand dollars in savings" (which derives from how much is in a savings account).