According to a poll from Bankrate.com, over 30% of Americans are not saving for retirement. If you are among them, you may find Digit to be just what you need to get started. By linking the Digit service to your checking account, every few days it will analyze your income and spending history and then withdraw small amounts of money (usually $5-50) free of charge and place it into your Digit savings account. It alters the amount pulled each time based on how much was spent recently, when bills are coming due, and when your next paycheck will be deposited. It does not pull out more than you have in your checking account and in fact, has a no-overdraft guarantee (in any cases where Digit overdraws your account, they will pay the fees). Digit uses bank level security encryption of your personal data, its savings account is FDIC insured up to $250,000, and it currently supports 2,500 credit unions and banks accross the U.S. You will receive regular texts from Digit detailing your savings total and if you need to withdraw the money from Digit, you just send a text with the amount at anytime day or night, 365 days out of the year, and it will be available to you the next business day. The downside of Digit is that any interest accrued on the amount in your Digit account will go straight to Digit to pay its operating expenses. They plan on offering ways to get a return on your investment in the future, but until then, you are able to transfer the savings to other investment accounts free of charge as often as you desire. Visit Digit‘s website to sign up or to obtain more information.