Anyone couples here actually have a savings account more than 10k... we do but its TOUGH to save.. and yes less than 10k in it
This is highly time-of-life dependent, you know.
If you're just out of college, have a car loan (hopefully a used car) and a mortgage, it's going to be tough. As you learn to cook at home and finally achieve that recommended "go out to eat no more than once a month" status, and treat things like manicures as the domain of the wealthy that they are, you'll be able to save more.
"Emergency" savings should be 6 months spending (not income). If you can't save this, then you're not at all prepared for a layoff - which 90% of Americans will experience some time in their careers...and more frequently, early in the career.
On average, Americans who are 55 years old have a "net worth" of $650,000...half of it in the home, half in a combination of savings accounts and retirement accounts. So, yes, a LOT of people have more than $10k.
To figure out how to save more, you'd want to chart out how much you're spending in various categories. The category names don't matter, just plot what you spent last 1-3 months, look for what feel like categories that took more than 5% of the income in that period, and watch them. Then ask:
1) Are these expenses required to keep me alive?
2) Are these expenses required to help me maintain my job?
3) Are these expenses required to maintain my health?
You can also do a web search for things like "what are the average expenses for a family of four earning $35,000 a year?" and get some stats - and see if there are categories where you're high and might consider reducing.
When I counsel people who come to me with spending issues, I ask:
1) How many days do you go between spending anything? No vending machines, etc? Average for Americans earning $50k is 3 days. Some people spend a little bit every day - this is addictive behavior.
2) How many subscriptions do you have? By "subscription", I mean things that you pay every month, no matter how much you use. Electricity, gas, cable TV, internet, magazines, etc. Mortgage plus 5 more is about the cap before you raise the red flag.