Are these stats taking into account savings made via 401k contributions? Also with low interest rates and high taxes, saving make no sense. After inflation and taxes on interest income, especially in the high brackets, the value of your money saved steadily declines.

Here in CA anyone who makes over $45k/yr pays almost 10% in taxes, add a 25% federal tax to that and 35% of your interest income is wiped out right there. If you earn 4% in savings that is reduced to 2.6%. Add 3% inflation and you get -0.4%/yr.