We are, by most accounts, one of the richest countries in the world. And, yet it appears we don't do a very good job of taking advantage of that blessing. Some studies (see below) reflect that about half of Americans have no savings! No Savings Article Supposedly, budgeting should get easier if we have more resources to count on (like the vast majority do in our country). Any thoughts on why many of us (individuals and organizations) are not very effective with budgeting