Reply #21: When ever I here about savings accounts it always takes me back to

[Mountainman]

Econ 101 and the savings and dis savings graphs. If I remember correctly, the line where savings begins at zero. The other line going in the some direction is the income line. Zero is were people earn just enough to live on. That line begins below zero meaning that some people don't make enough to live on. Savings don't begin until people have excess income.

So I guess the question becomes when do you have excess income. To most people it is never.