Summary: A penny saved is a penny earned...but according to that adage, many U.S. adults are not earning all that much.

A penny saved is a penny earned…but according to that adage, many U.S. adults are not earning all that much. That's because almost one-half of all U.S. adults (45 percent) say their household does not have enough money in liquid savings to cover at least three months of living expenses. Moreover, nearly one in ten adults (9 percent) say their household currently keeps no liquid savings, defined as any savings readily available as cash and not intended for long-term investment. Among those earning less than $35,000, the numbers are more striking. Thirty percent of that group maintains no liquid savings. The new survey was conducted by Harris Interactive

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