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Americans are notoriously lousy savers, and they know it.
A consumer survey conducted by Braun Research and Bank of America finds that while 90 percent of those asked say they've considered saving, nearly half give their current saving habits a bad grade.
Nineteen percent of 18 to 34 year olds have never thought about saving for a rainy day.
28 percent of 35 to 44 year olds give themselves a grade of D or F when it comes to saving and 40 percent of those 55 and older don't even set savings goals.
The survey also finds that savings habits differ by geographic location.
New Yorkers are twice as likely to think they dont need savings and that money is meant to be spent.
Chicagoans are more than twice as likely as the national average to identify their savings habits as frugal.
And residents of Los Angeles say they like to put money away to pay for special occasions.