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research shows americans saved sparingly little between largely 4-5% in the last five years. and reports estimate half of the baby boom generation now just starting to hit retirement doesn t have enough saved to get them through the retirement years. baby boomers are the me now, get it now generation. i think part of it is because we have had a fair amount of economic prosperity. so we really haven t had to salt away for a rainy day. there isn t much sunshine in the immediate economic forecast. i don t see the foreclosures dropping in 2011. i don t see the unemployment rate significantly dropping. basically, this is the year of the consumer to get their spending in check. trend for people who can save is to keep it liquid. resident investing in the market, they will keep three to five months worth of salary in a nest egg account to protect them. as they plan a simple september wedding, they say putting aside money will be a priority as soon as they have

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