The study reported here examined the differences in barriers to savings among low- to moderate-income households who do not save regularly. Characteristics associated with individuals who perceived they could and could not save included age, presence of child under 18 years of age, and gender. Having no money left over, being late on bills and/or credit card payments, being under- or unemployed and having been affected by a natural disaster were associated with perception of whether one could save. Recommendations for Extension educators working with limited resource audiences are suggested.