Every year the United States Federal Reserve Board conducts a survey to gauge the public’s financial health. “a number of adults still indicate that they are experiencing financial challenges” (BOG, 2016). Here is a highlight of the problems faced by many:
47% could not cover an emergency expense costing $400.…
31% put off medical care because they could not afford it.
20% spend more than they make
37% do not save money
32% cannot qualify for a credit card
44% that have a credit card carry a balance
20% have no bank account
23% have student loans
31% have no retirement savings or pension
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Board of Governors of the Federal Reserve System. (2016). Report on the economic well-being of U.S. households in 2015.