Sad stats,don't see what they have to do with healthcare tho. Some people simply have nothing and others that do have, spend every cent. As for that being too much in cash, first thing I learned was the most important return was return of principle. I have more money sitting in cash earning virtually nothing than ever. Simply don't see many investments worth the risk. Already Have enough risk in stocks, bonds are a bad bet in a rising interest rate environment, real estate is illiquid, etc, etc.