By Richard E Walrath

Listening to Nathan Dungan, founder and president of Share Save Spend®, makes me wonder if he has even the slightest idea of what he’s talking about. 

Saving in this as well as every other country, as you might expect, is done by people who have money to save. 

If you’re a member on "the lower end of the socio-economic" spectrum, you are going to have little, if any, money to save. 

The best you can hope to do is stay out of debt and break even, and that’s going to be very hard to do.