A new report from the Center for Financial Services Innovation says that only 28% of Americans are financially healthy. And it reinforces something we already knew: The U.S. saving rate sucks. Americans don't save. The U.S. Financial Health Pulse divides people into three tiers of financial health. Financially healthy people (28% of the U.S., 70 million people) are “spending saving, borrowing, and planning in a way that will allow them to be resilient and pursue opportunities over time.” Financially coping people (55%, 138 million) are “struggling with some, but not necessarily all, aspects of their financial lives.” Financially vulnerable people (17%, 42 million) are “struggling with all, or nearly all, aspects of their financial lives.” The full report is huge — it's an 80-page PDF!