The average American family's annual living expenses are $50,486, according to the Bureau of Labor Statistics. Among these expenses were: housing ($17,109), apparel ($1,801), transportation ($8,604), healthcare ($2,976), entertainment ($2,835), insurance ($5,605) and food ($6,443). Savings Nationally, the personal savings rate among U.S. households have hovered around 6%, up from under 1% during the midst of last year's financial meltdown, according to the Federal Reserve. A survey by CareerBuilder.com found that 61% of 4,400 respondents reported that they "always or usually live paycheck-to-paycheck." Thirty% of workers with salaries of $100,000 gave the same response. More than one-in-five workers say they have reduced their 401(k) contributions or personal savings in the last six months to get by. Among workers earning six figures or more, 23% report that they have also reduced their 401(k) or savings. One-third of all workers said they don't put any money aside into their savings each month, while 30% set aside $100 or less per month for savings and 16% save less than $50.