Gross. I mean, sure, if you actually fall into the category of person who doesn’t have a thousand dollars in savings because of your drinking or coffee, maybe cut back on the booze/ caffiene. But surely the issue here, by and large, is not that people are choosing not to save — it’s that they’re literally living paycheck to paycheck. If you have only $5 of disposable income every week, it’s going to take a heck of a long time of save anything. And anyone who had to put emergency bills on a credit card because they’re living paycheck to paycheck is going to take that much longer to save while they’re paying off that bill.