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In One Chart: How the rich, the poor and the rest of us make and spend our money

Rich people, they’re just like us. Sort of.

While there certainly are some similarities as to how cash flows in and out of the households across the income spectrum, one stark, and rather obvious, difference is that the bottom 20% spend every penny they make — and then some — just to pay the bills, while the top 20%, on average, manage to afford their pricier lifestyle and still have a nice chunk of change left over to splurge and save.

First, let’s take a look at how the average American family, consisting of 1.3 income earners, 0.6 children, and 0.4 seniors, makes and spends its money.

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