USA - Americans continue to dig themselves in a deeper and deeper hole.  While many have no savings, they continue to pile on the debt and liabilities.  All of these problems will make the next recession difficult for most to get through financially. A new report by Forbes states that 23% (nearly one in four) Americans are saving not even one penny from their paychecks. As part of its 2019 Savings Survey, First National Bank of Omaha examined Americans’ habits, behaviors, and priorities when it comes to saving, monthly spending, and retirement planning.  And based on the fact that nearly 80% of Americans live paycheck to paycheck, the rest of the results of the survey are, unfortunately, unsurprising. In fact, 23% reported that they put in 0% of their monthly paycheck toward savings.