The research found that people are less likely to save if their household demand for liquidity is high
I have literally been up to my eyeballs in debt and had $0 in my checking some months when I was younger. I always put the minimum in to get the free match from my employer. Dave Ramsey would frown on that. And now I’m Debt free except mortgage and maxing out 401k and still freaked out I won’t get enough socked away in next 15+ years.