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Fielder is the hip "spokester" for the Young & Free program that targets the 18-to-25 crowd at Michigan First Credit Union based in Lathrup Village.

And she said many times people just don't realize that they can come up with money for savings in a variety of ways. Many young consumers love getting glam bags or monthly, personalized sample deliveries of cult brands for beauty, grooming and lifestyle products.

"Saving something is an accomplishment for many," Bossler said.

Easy credit is an everyday expression; easy savings is not.

About one in four Americans are living on the edge by having more credit card debt than emergency savings, according to a study by

Younger consumers are particularly challenged when it comes to trying to build savings.

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For many, the idea of getting a basic emergency savings plan — with enough money to cover three months to six months of bills — can sound as overwhelming as saving a million dollars for retirement.But Kathryn Bossler, 34, personal finance counselor at the Green Path Financial Wellness office in Detroit, tells people who are bewildered to just set aside or each week to start.

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