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So who has the money? Most would readily say the rich, OK, but who are the rich? Let us look at some numbers here- less than 13 percent of Americans earn over 100 thousand a year, less than 3 percent earn over 200 thousand a year. Over 65 percent of Americans earn less than 50 thousand dollars a year, half of those earn less than 20 thousand a year. Majority of Americans earn just about enough to sustain, a recent study shows than Americans save less than 1 percent of their income, that is right less than 1 percent. So if Americans are saving next to nothing, what are they spending on?
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