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Middle class families share how much money they have in savings and it's eye-opening

"I transfer money each paycheck but always end up needing to transfer it back."

woman's hand putting cash into a jar
Photo by Karolina Kaboompics/Pexels

Many middle class families are sharing that they have nothing in savings right now.

According to an April 2024 Gallup poll, 54% of Americans identify as part of the middle class, with 39% identifying as "middle class" and 15% identifying as "upper-middle class." That percentage has held fairly steady for years, but for many, what it feels like to be a middle class American has shifted.

Notably, inflation caused by the pandemic has hit middle class families hard, with incomes not keeping up with cost-of-living increases. Housing costs have skyrocketed in many areas of the country, mortgage interest rates have risen to levels not seen since the pre-Obama era and grocery bills have increased significantly. One government study found that cost of living has increased between around $800 and $1,300 a month depending on the state since 2021, putting a squeeze on everyone, including the middle class.

One woman shared that her family is just getting by and asked other people who identify as middle class to "chime in" with what they have in their savings account.

"I swear, every paycheck I am putting money into my savings, but needing to transfer it back within a few days," shared @abbyy..rosee on TikTok. "My registration is due. My husband's registration is due. He needed two new tires, even though they had a warranty. That's $300. My oldest needs braces, he needs a palate expander, that's $120 a month. Not to mention groceries are $200 more a week. Forget about feeding your family great ingredients because who has $500 a week to spend on perfect ingredients to feed your family?"


@abbyy..rosee

somethings gotta give #savings #middleclass #relatable

She explained that her husband makes enough money that they should be able to live comfortably, and that she quit her job because the cost of daycare was more than she was making.

"At some point, something has to give," she said. "What is going on? How do I save money?"

People in the comments chimed in with their savings account totals and it was quite eye-opening. Many people shared that they have $0 saved.

"We make the most money we ever have and have zero savings. We live paycheck to paycheck and every month I don’t know how we get by."

"I think the middle class is 1 personal disaster away from bankruptcy."

"Y’all got savings accounts?!?! 😂"

"I used to freak out if I had under $10k in savings, now I’m happy when I have over $150. 😫"

"We make almost 100,000 a year with no savings!!!! It's always something!!"

"I'm lucky if we have $500-$1K for an emergency. every single time we start saving something happens. the vet, the cars, the kids... something."

"Savings account? I transfer money each paycheck but always end up needing to transfer it back. My husband makes great money too but we are scraping by."

"$803 but we have to pay a $750 deductible this week b/c my Husband hit a deer soooo… back at it 😭 It’s exhausting. Constantly draining it, refilling it, transferring."

Some people shared that they do have some savings, but several said it was because they'd had an inheritance or other chunk of money come their way. Many people shared that their savings has dwindled as increased costs have taken their toll. Some people gave lifestyle advice to save money, but most agreed that just the basics have gotten so expensive it's harder to make ends meet much less put extra into savings.

Thankfully, the inflation issue appears to be waning, but even just plateauing at their current financial reality isn't ideal for many American families. Middle class is supposed to be a comfortable place to be—not rich, but well enough off to feel secure. That's not how many middle class folks feel, though. Most Americans don't have anything close to the amount of money saved that is recommended across the age spectrum, but at least hearing that others are in the same boat is somewhat comforting.

It can be vulnerable to put your financial reality out there, but it's helpful to hear what other people are doing and dealing with so we all feel less alone when we're struggling. Perhaps if people were more open about money, we'd all be able to help one another find ways to improve our financial situations rather than lamenting our empty savings accounts and wondering how to change it.


This article originally appeared on 7.17.24

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5 more things that made us smile this week

We love to see single moms succeed, strangers reaching out to help, and parents pushing back against bigotry.

True

In a time where the world feels more divided than ever, we could all use a pick-me-up. With that in mind, we’ve scoured the internet to bring you five feel-good pieces of news and media that put a smile on our faces (and we bet it’ll put one on yours, too).

This week, we’re loving:

This woman’s life-saving good deed

Hockey fan Nadia Popovici was at a game in 2022 when she noticed something strange: an irregular mole on the back of Brian Hamilton, one of the team’s assistant equipment managers. Popovici had experience looking at cancerous moles during her experience volunteering in oncology wards, so she quickly flagged Hamilton down and warned him through the plexiglass that his mole looked cancerous. Hamilton had the mole biopsied—and found Popovici had been right. “She saved my life,” Hamilton said later in a press conference.

Subaru is sharing the love this holiday season

Who knew that buying a car could be an act of love? During the annual Subaru Share the Love® Event, getting a car means supporting the charities you love the most. With every new Subaru purchased or leased, Subaru and its retailers will donate at least $300 to local and national charities, including the ASPCA®, Make-A-Wish®, Meals on Wheels, and the National Park Foundation, among others. And here's another thing to celebrate: After 17 years of the Subaru Share the Love Event nearly $320 million has been donated to charity!

This dad's perfect response to anti-gay bigotry

@fitxander Some AWESOME shade from my dad 😂🌈 #gay #dad @claire_training ♬ Kings & Queens - Ava Max

Sometimes, when a person throws shade, you have to throw it right back. That’s what Xander’s dad did, when a neighbor told him that having two gay kids (Xander and his sister, Claire) meant that he “failed as a parent.” His response? To cover his entire house and yard with pride flags. Go, dad!

This perfect example of brotherly love

You’ve never seen something more heartwarming than this boy helping his little brother before school. According to a TikTok video uploaded by his mom, this amazing kid “always reassures his little brother he’s going to have a great day at school,” giving him a hug, a kiss, and some reassuring words. No, you’re crying.

This single mom who passed her bar exam on the very first try

Taking the bar exam to become a lawyer is tough—so tough that most people can’t do it on their first try, even after months of studying. Which is why this video is downright joyous to watch. In the video, single mom and TikTok user @yougonloverhi records her and her son’s reactions as they find out that she passed the California Bar Exam on the first try. Supermom!

For more reasons to smile, check out all the ways Subaru is sharing the love this holiday season, here.

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The Monkees' acapella Christmas song shows they weren't just funny, they could sing, too

They performed "Riu Chiu," a Spanish carol, on their 1967 Christmas special.

via The Monkees/YouTube

The Monkees singing "Riu Chiu."

The Monkees have a complicated place in the history of rock music. On the one hand, they scored some of the biggest hits of the ‘60s with “I’m a Believer,” “Last Train to Clarksville,” and “Daydream Believer.” On the other, they were a band manufactured in 1967 for a TV show that did little more than sing on their earlier records.

All that changed in 1967 when they wrestled control over their musical careers from the executives who kept them out of the studio and began recording their music with the “Headquarters” album. But even though they proved to be talented musicians, The Monkees were still branded as a prefabricated band whose success was owed more to session musicians and top-tier songwriters.

Anyone who doubts the talent of Mickey Dolenz, Michael Nesmith, Davy Jones and Peter Tork, look no further than a performance on The Monkees’ 1967 “Christmas Show” episode. Like every episode of The Monkees' TV show, this one featured a musical number. But this time, instead of a rock tune with a pre-MTV video of the band monkeying around, this featured the band singing an acapella version of “Riu Chiu,” a Spanish villancico that has attained some contemporary fame as a Christmas carol. The song is attributed to Mateo Flecha the Elder, who died in 1553.

The performance highlights the band’s unique vocal abilities that stem from different musical traditions. Before The Monkees, Dolenz was a rock singer, Nesmith was a country singer-songwriter from Texas, Tork was a folk musician and Jones was an English theatrical performer best known for his performance as the Artful Dodger in “Oliver!” But in this performance, their vocals blend perfectly.

- YouTubewww.youtube.com

The “Christmas Show” episode was memorable for the band’s outstanding vocal performance but also stands as one of the more memorable Christmas specials in TV history. Coming on the heels of the “Summer of Love,” the story is about The Monkees babysitting Melvin Vandersnoot, the hard-hearted child of an affluent family. After numerous attempts to get him into the Christmas spirit, the Monkees warm up his icy heart after showing him love, something all the money in the world can’t buy.

Vandersnoot, was played with incredible maturity by Butch Patrick, best known as Eddie on “The Munsters.”

- YouTubewww.youtube.com

The Monkees' television show would be canceled in 1968 and the band’s original run wouldn’t last much longer. But all four band members would remain in the music business. The Monkees would reunite in the late ‘80s after the show became popular in reruns and would continue to tour over the next four decades, although most of the time, it was without Nesmith. Nesmith would pursue a country career in the ‘70s, and even though his work received a lukewarm reception at the time, his innovative mixture of country music, humor and psychedelia has made him a pioneer in the alt-country genre. Nesmith died in 2021, shortly after touring with Dolenz.

Outside his work as the mainstay in Monkee reunions, Dolenz has starred in numerous theatrical productions and recently released an EP of R.E.M covers. He still tours as a solo act.

Davy Jones went on to perform in Monkee reunions and guest star on several TV shows, most notably on an episode of “The Brady Bunch,” where he was the target of Marcia Brady’s affection. He passed away in 2012.

Peter Tork was a mainstay of The Monkees’ live performances through numerous reunions and played in a band called Shoe Suede Blues. Tork died in 2019 after a long battle with cancer.

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Hanson's gorgeous acapella Bee Gees cover shows there's nothing like family harmony

They're so much more than the "MMMBop" band.

via William/Wikimedia Commons

Hanson, singing acapella.

In “How Can You Mend a Broken Heart,” the 2020 documentary about the Bee Gees, Noel Gallagher of Oasis noted that there is something special about when brothers harmonize. He should know since he founded Oasis in 1991 with his brother Liam. “When you got brothers singing, it’s like an instrument that no one else can buy,” Gallagher said. “You can’t go buy that sound in a shop. You can’t sing like the Bee Gees because when you got family members singing together, it’s unique.”

The Bee Gees’ incredible success with his songs “Stayin’ Alive” and “More Than a Woman” proved that there was something to the idea that when siblings sing together, there’s nothing like it. It's probably because brothers may have similar vocal tones and more time to practice while growing up together. Bands like The Beach Boys, The Jackson 5, The Carpenters and the Jonas Brothers all got a leg up on the competition by practicing together since they were little kids.

Another group that’s been around for decades with brothers singing incredible harmonies has been Hanson. Sure, everyone remembers their massive success in the late ‘90s with the inescapable hit “MMMBop.” Still, they’ve developed a loyal following, have three top 20 albums on the Billboard charts and a rigorous touring schedule.

The big draw at their shows is their mix of Hanson hits, incredible covers and buttery harmonies. The Hanson brothers, Isaac, Taylor and Zac, proved the brothers-sing-best theory on stage by singing an acapella version of “Too Much Heaven” by the Bee Gees. What’s even more impressive is that the brothers did it without a microphone, which is a considerable risk because there’s a big chance of being disrupted by the audience.

Here is a version from March 2019, when they performed on stage in Australia, the Bee Gees' home country.

- YouTubeyoutu.be


According to Hanson on Stage, the group has performed the song 26 times live, beginning in 2013. The performance we shared is at the Sydney Opera House, which is probably why the band decided to perform without microphones. The opera house was designed to allow orchestras to be heard without amplification.

“Too Much Heaven” was initially released by the Bee Gees in 1979 as a contribution to the "Music for UNICEF" fund. The band donated all of the proceeds from the single to the charity. It’s a lush ballad featuring nine layers of three-part harmonies by Barry, Maurice and Robin Gibb. The song hit number one in the U.S. and Canada and would later make it to the band’s “Spirits Have Flown” album.

Here is the Bee Gees performing the song in 1993 on the BBC’s Pebble Mill One.

- YouTubewww.youtube.com

Hanson recently learned they are a big reason brother-and-sister duo Billie Eilish and FINNEAS got into the music industry. “We sat in our studio with Billie Eilish and FINNEAS when they happened to be in town, [with] their parents talking to us saying, ‘We basically decided they should make music ’cause we saw Hanson and you guys seemed like you were OK,'” Taylor told Billboard. “Like, that’s insane … and here they are, they’ve done incredible, beautiful work.”

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People are supporting a dad whose wife named their newborn while he went out for coffee

He didn't like the name, either. Shouldn’t it be a 50/50 decision?

via Canva

A mother smiles proudly after naming her baby.

Most people believe that both parents have an equal right to choose their baby’s name and that it should result from an agreement between both parties. That doesn't mean it’s always easy for both people to agree on the same name, but look, if you’re going to be a successful parent, you must know how to make compromises occasionally. Starting the job with your heels dug in does not bode well for anyone.

That’s why the following story is interesting. It shows what happens when a mother decides she can make the decision all by herself and what the fallout is like when her husband and his family find out. The story was recently shared on social media, and the commenters were shocked that she wasn’t sure if she was in the wrong.

"So, my (32F) husband (33M) and I just had our first baby girl a couple of weeks ago,” she begins the story. “We’d been going back and forth on names during my entire pregnancy. I really wanted to name her Eleanor after my late grandmother, who basically raised me when my parents weren’t around. She was my hero, and losing her last year was devastating. Honoring her felt deeply important.”

The woman’s husband preferred modern names such as Nova or Ember, which the mother just “couldn’t connect with,” so they never compromised.

baby names, parents of newborns, momsCaouple can't agree on baby names.via Canva

“On the day our daughter was born, while my husband stepped out to grab coffee, a nurse asked if we had a name for the birth certificate. I know I should have waited, but I was emotional and felt this rush of conviction. I just blurted out, ‘Eleanor.’”

When the husband returned with the coffee, he was “furious.”

“He said I’d blindsided him, robbed him of having a say, and that our daughter would hate her 'old lady' name. His family is also calling me manipulative. I feel terrible about the timing and how it all went down, but it’s not like we hadn’t discussed Eleanor before. I just feel like I honored a name that truly mattered to me when he wouldn’t budge.”

The mother asked the commenters if the father was overreacting because “we couldn’t find common ground.”

The commenters overwhelmingly supported the father in the situation. “You made a unilateral decision about your shared child,” the top commenter wrote. “You literally started her life by using her as a centerpiece for conflict with your husband. You also isolated her from your husband during the first major decision regarding her. What a terrible way to start her life.”

“‘…it’s not like we hadn’t discussed Eleanor before.’ You discussed it and he said no. Personally, I think the name Eleanor is lovely, but that’s not the issue,” another commenter noted. “You unilaterally made a decision —a decision a you knew your husband disagreed with—about your—both of your—child. Your giving birth doesn’t make this child any less his. Your husband and his family are absolutely right. You blindsided him."

baby names, parents of newborns, momsA newborn baby. via Canva

However, a few commenters believed whoever birthed the child had the right to pick the name, even if the father disagreed. “This might be the only daughter you have and if he can’t make it meaningful for you when you just risked your life for this baby and let you have the win then idk,” one of the few supporters of the mother wrote. ”I would let him pick the middle name. Trendy names are overrated.”

The woman who posted her story has yet to follow up and share what happened next, but let’s hope she took the commenters’ advice and apologized to her husband and changed the baby's name. Most agree that it's not fair for him to call his daughter a name he doesn’t like for the rest of their lives and it will always be a sore spot in their relationship. It’s best to bring a child into a family where everyone is on the same page and agrees on the things that matter most.

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A toddler on her flight cried for 2 full hours. Her response a masterclass in kindness.

"Let's normalize being good humans while traveling."

Photo credit: Canva

Yes. Sometimes it really is that easy.

Sure, there are parents out there who essentially see the entire world as their kid’s playground, but by and large most parents really don’t want to subject anyone else to the whims of their little ones. This goes for flights too. When a baby or toddler can’t sit still or won’t stop crying, it’s also incredibly stressful for the parents doing their best to keep things calm while essentially becoming in-flight pariahs. Fun.

In other words, a little empathy can go a long way. And that’s why so many are applauding a now-viral TikTok from Samantha Chadwick (@samanthachadwickk), which shows exactly how powerful a simple mindset shift can be.

In the clip we see Chadwick in her airplane seat, headphones on, as the onscreen text reads:

“There’s a baby on my flight that’s been crying non-stop for like two hours. She sounds so uncomfortable, and her parents are working so hard to calm her down. They are probably feeling so much anxiety and pressure right now. People behind them are talking about the baby screaming. So instead of complaining, I just put on my headphones and watched my show & could barely hear her. It’s that easy.”

TLDR: Babies cry. Parents are trying. Thank God for headphones. Keep on keepin’ on.

@samanthachadwickk Lets normalize being good humans while traveling 🫶🏼 #babycrying #babytravel #travel ♬ Use this sound to go viral - Andrew

Chadwick’s message clearly struck a chord with parents who have been in similar circumstances. Many had also been on the receiving end of kindness from strangers, and it was everything.

“As a mom THANK YOU the anxiety you get when your baby cries in places like that is through the roof.”

“My baby screamed for over an hour on a flight, I tried everything to calm him down and felt terrible. as a man was getting off he stopped and told me I did a great job. It really meant the world.”

“I wish EVERYONE was this kind. I ‘ll never forget my baby crying for an entire 6 hour flight after we got stuck in Vegas and I was exhausted and stressed and multiple sweet angels offered to hold my baby.”

Others could agree with Chadwick’s sentiments exactly.

“Those poor parents. Thank you for handling it like an adult.”

“I always feel bad for the parents, so stressful.”

Others echoed the notion that, unlike the parents actually dealing with the crying child, there are some things the other person can control.

“I am SO sensitive to sounds and get incredibly irritable about them. I bring earplugs/headphones bc that’s MY problem. I don’t understand ppl who try to blame others for their issues.”

“I always say as adults we have the option to wear headphones, that baby and parents are suffering more than anyone else on the plane!”

Listen, it’s understandable that people’s fuses have gotten shorter while traveling because, let’s face it, there’s a lot of questionable choices being made these days, and being cramped together in a steel box thousands of feet in the air only makes it more intolerable. But families have also been put through the ringer several times even before boarding the plane and would like a nice, peaceful flight as much as everyone else. We might not like the hand we’re dealt by the flights gods that day, but for those some odd hours, we’re all in this together. So let’s do our part.

Or as Chadwick put it, “Let’s normalize being good humans while traveling.”

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'A Christmas Carol' summarized in Gen Z slang is giving hella holiday cheer

Comedian Richard Franks understood the assignment, no cap.

Richard Franks/Instagram, Book cover in the public domain

You've never seen "A Christmas Carol" summarized like this.

Since its publication in 1843, Charles Dickens' "A Christmas Carol" has been retold in a zillion different ways, from serious stage plays to animated musicals to a Muppet movie to a horror miniseries. The role of Ebenezer Scrooge (or his character equivalent) has been played by famous actors such as Michael Caine, Bill Murray, Jim Carrey, Patrick Stewart, Albert Finney and Ryan Reynolds. Most of us are at least somewhat familiar with Tiny Tim and the ghosts of Christmas Past, Present and Future, but the beloved holiday tale has never seen a plot summary quite like comedian Richard Franks'.

Franks has been delighting his audience with Gen Z slang summaries of Shakespeare's plays, and now he's doing the same with the classic Dickensian Christmas ghost story. Acting as a teacher in front of a classroom, Franks goes through the plot of "A Christmas Carol" in Gen Z speak with hilarious accuracy. Parents of a teens and young adults will likely recognize a lot of these terms, though they may not know what they actually mean.

Watch how naturally he speaks the lingo:

The best part is that it's actually a perfect summary of the story, though only Gen Z would fully understand it. Older folks may roll their eyes at how younger folks are changing how words are used, but every generation has its own version of language manipulation. The Boomers coined "groovy" and Gen X had "totally radical," after all. Millennials and Gen Z have a lot of crossover between them, but the youngsters have established their own flavor (much of which comes from African-American Vernacular English, or AAVE).

People of all generations are loving Frank's comic take on it all, though.

"You’ve done it again, bruh."

"I haven't finished watching it, I am already laughing. 😂😂😂😂😂😂😂😂"

"Literally the only reason I understood what you’re saying is because I know the plot already, otherwise I’d be done for 😂"

"I love these sketches, they are just genius!! 🙌"

"This is Christmas cheer! (still laughing at 'full on Miley Cyrus and buy yourself flowers')"

If you watched the video in complete befuddlement because you aren't regularly around Gen Zers and have no idea what Franks is saying, here's a glossary to help you out with some of the terminology:

Straight up = truly

Vibes = feeling or mood

No cap = no lie/for real

Tea = gossip/information

Salty AF = very bitter

Throwing shade 24/7 = expressing contempt all day every day

Be giving = is giving off a vibe or feeling

Walking ick = undesirable person

Hella = extremely OR a large amount of (depending on usage)

Pulls up = arrives

Sesh = session

Massive simp = being excessively attentive or affectionate toward someone who's less interested

Nah, bruh = no thanks

Toxic mad riz = manipulative charisma

Ate and left no crumbs = did something perfectly

YOLO = You Only Live Once (same idea as carpe diem)

Bet = yes, I'm in

Slay = do something exceptionally well and with confidence

Low key = basically/undramatically

Understood the assignment = fully grasped the expectation and successfully met it

It's one thing to understand Gen Z's language and it's another to be able to speak it. Some parents like to mess with their kids by attempting to use slang terms and using them completely wrong—always a good laugh. One middle school teacher is on a mission to help parents out by sharing some Gen Alpha slang terms, and another teacher admits to making up slang words to try to convince his students that they're real.

Language is fun, and finding the humor in the way different generations use it makes for excellent comedy. If you want to see more of Richard Franks' Gen Z slang literature lessons, you can follow him on Instagram.

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