Yet translating a desire to save into action can be difficult due to a number of factors, including income, rising prices, social pressure and a lack of financial planning. The personal savings rate in the U.S., or the share of income left after spending and paying taxes, was a low 4.7% in September. Many Americans lack cash reserves for emergencies , including unemployment. Still, research shows that people are right to include saving as part of their financial happiness goals.He is not alone. In an exclus ...