Saving money even when you think you can't

A recent study found 1-in-3 American's do not have access to $2,000 in the event of an emergency. That study also found one third of Americans cannot take on a $100 medical bill without going into debt. 

Another study found  73 percent of consumers have debt when they die and on average, people die with $62,000 of debt. Without a mortgage, that drops to just above $12,000.

So is it possible for the average American to put away money and get out of debt? 

GMSA @ 9 invited financial consultant Wendy Kowalik on the show for advice.