When I read statistics on wealth of United States citizens, there's raw numbers like the average savings is $20,000, the average debt excluding home mortage is just $2,000 and so forth. Yet when I read about people's finances online, there seems to be many people just struggling along paycheck to paycheck or on the verge of bankruptcy. I know there's people living in nice homes that are appreciating in value and people who say that they'll have a million socked away by retirement, so I know there's some wealthy people out there, but is it really that typical to have $20,000+ stowed away in bank accounts to reflect in these economic statistics?