[yareal]

> There is nothing about savings that implies they must be liquid.

Here are several examples that disagree. Yes, in a strict Keynesian economic sense it is saving but saving is different from savings, despite the similarity in the two words. (Yes, you are right, this is confusing.)

Examples defining "savings" in personal finance:

https://www.investopedia.com/terms/s/savings.asp

"Savings is essentially cash"

https://www.britannica.com/money/saving

"Saving may take the form of increases in bank deposits, purchases of securities, or increased cash holdings."

https://en.m.wikipedia.org/wiki/Saving

"In terms of personal finance, saving generally specifies low-risk preservation of money, as in a deposit account, versus investment, wherein risk is a lot higher."

[randomdata]

> Here are several examples that disagree.

Disagree with what? I fail to see the difference from definition two.

It does not match definition one, of course, but that had to exist in an effort to be fair to the original commenter. It is not like you are going to go in like a horribly confused idiot and randomly redefine tillage or something. If the OP is using savings in the sense of the positive net value of a home, rationally one will be accommodating to that.

But it doesn't really matter what definition you choose. The math doesn't add up to what was presented under any definition.

[yareal]

The original poster is correct, the majority of Americans live paycheck to paycheck. With no savings (in the personal finance sense).

Example: https://www.forbes.com/advisor/banking/living-paycheck-to-pa...

What's challenging for you about these numbers? Your original response included mortgages in saving, which is atypical. If you exclude mortgages, which is typical, do the numbers make more sense?

> It is not like you are going to go in like a horribly confused idiot and randomly redefine tillage or something.

Try to remain on topic and avoid ad hominem, please.