There are several reasons that people don't save more money. Here are a few reasons why: 1. The lack of financial knowledge and education: There are people in the United States who don't know how to save money or don't have enough disciple to do so. 2. Income restrictions: Not every American makes enough money to have disposable income to save. They make enough to pay their bills with nothing left for savings. 3. High debt: The fact is that there are many Americans struggling with high debt, which results in the inability to have money to save left. 4. Cost of living: The cost of living is reaching new heights these days, which prevents people who would normally be saving from saving money.