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Wednesday, April 1, 2015 6:10 AM

A recent survey by the personal finance site,, reported that the most ardent savers can be found in the U.S. middle class. One-fourth of middle-class households—earning between $50,000 and $75,000 annually—set aside more than 15 percent of their income, while only 17 percent of the highest earners put away more than 15 percent, the survey found. By contrast, only 8 percent of the lowest earners in the survey saved more than 15 percent.

"Middle-class Americans (have) to do the saving, because nobody is going to do it for them," said Greg McBride, Bankrate's chief financial analyst. "They don't have the six-figure income to fall back on" for expenses such as household emergencies, long-term health care, education, and retirement.

Millennials, on the other hand, have yet to get the picture on the importance of saving. The survey found that people between 18 and 29 years old were the least likely to save, with 37 percent saying they save 5 percent or less and 18 percent saying they save nothing at all.

"They don't see a correlation between where they are now and where they will be," Tiffany Aliche, independent budgeting expert, told It appears they should take a page from those in the middle class.

In addition to the households saving more than 15 percent of their incomes, roughly 35 percent of U.S. households considered middle class put away more than 10 percent, according to the survey, while only 19 percent of the highest-earning households save at that rate.