How federal rules make it impossible for people with disabilities to save for future By Caroline Hart OAKLAND, Calif. - The most fortunate people to weather the pandemic were those with savings and high paying jobs, for whom working from home provided a safe way to maintain their income, and perhaps even save money. In fact, many of the highest earners saved more money when the economy was more or less shut down during the depths of the pandemic in 2020. Americans in the top 20% of earners built up their reserves with excess savings last year while the lower 60% of Americans burned through much of their savings, according to a study.