Until recently, my savings consisted mostly of unexpected windfalls. A tax return here, a birthday check from Grandma there. Over time I’ve amassed enough that I can withstand the odd financial shock. (The physical pain of a root canal is now slightly more intense than the anxiety I have over paying for one.) But I still don’t have really anything you could call a personal finance strategy, and apparently neither do most Americans: adults younger than 35 have a savings rate of negative 2 percent.
Digit, an automated savings account that opens to the public today for US accounts, hopes to put us back in the black. Let it monitor your income and spending habits, and it will begin socking away a few dollars whenever it thinks you won’t...
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