10 Reasons You'll Never Be Rich

Cameron Huddleston, Online Editor, Kiplinger.com

Then create a realistic budget that ensures you have enough to pay the bills as well as enough for contributions to such things as a retirement account and a rainy-day fund. The personal savings rate in the U.S. is just 4.9% of disposable income, down from a high of 14.6% in 1975.