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 Washington, D.C. – The interest, effort, and effectiveness of Americans to save personally, as measured by the triannual Personal Savings Index (PSI) surveys of America Saves, jumped substantially from May lows to new highs in September. For example, 84 percent of people who earn more than $100,000 annually reported to be interested in saving compared with 72 percent of people with annual incomes between $50,000 and $75,000 and 68 percent of people who earn less than $25,000. Table 1: PSI Percentages in Last Seven Trimesters 
 
 Date Interest Effort Effectiveness Sep-13 71% 62% 58% Jan-14 65 58 56 May-14 71 63 58 Sep-14 71 62 60 Jan-15 70 61 59 May-15 63 58 55 Sep-15 75 65 62 
 
 “While no trends over the past two years are yet evident, it is encouraging that the latest Personal Savings Index numbers are so high,” noted Stephen Brobeck, Executive Director of the Consumer Federation of America and a founder of America Saves. However, the PSI surveys clearly show that income is critically important: In general, the higher one’s income, the higher one’s savings interest, effort, and effectiveness, as the table below shows. The data from GOBankingRates.com conflicts with a recent survey by America Saves, a campaign from the Consumer Federation of America, that found people's interest, effort and effectiveness to personally save was on the rise in September.
– Nearly half of all Americans—49%—have no money in their savings account or no savings account at all, CNBC reports. “It’s worrisome that such a large percentage of Americans have so little set aside,” a financial analyst for the site that conducted the survey tells Market Watch. “They likely don’t have cash reserves to cover an emergency and will have to rely on credit, friends, and family." The survey of 5,000 people found that 62% of Americans have less than $1,000 saved, while only 14% had more than $10,000 in their savings account. These numbers come despite a September survey showing Americans are getting more interested in—and being more effective at—saving money, CNBC reports. Last month's numbers for interest, effectiveness, and effort toward saving were the highest ever for the survey. However the survey did come to the obvious conclusion that the country's biggest earners—those making more than $100,000 a year—were by far better at saving money than those in a lower income bracket. According to the federal government, Americans on average saved 4.6% of their disposable income in August.