Many Coloradans are coming up short this year, a recent report says. Nearly half of Colorado residents barely have any savings to fall back on, and it's not only those struggling to get by. Many in the middle class aren't putting away any extra cash either.

Thursday night at free seminar, middle class families learned to plan for the future.

CMU student Jake Edmiston said he certainly likes to have his fun with his money but went to the seminar to get some guidance.

"Right out of school, I'm going to need to start planning for and getting an idea of where I'm headed because, before I know it, I'll be in the work force, and before I know it, I'll be looking to retire," said Edmiston.

Loan officer David Shepard said saving and planning for the unexpected is the best way to stay on top of your finances.

"It's a discipline as well, and people just have to get in the habit, and once they do, it's actually pretty powerful," said Shepard.

One third of households earning between $60,000 and $100,000 are not sticking to the guide line of saving one third of their total earnings.

The presentation was free to the public and took place at Major Mortgage.

Regional V.P at Primerica Jay D. Muller will host another workshop on March 2 at Monument Village Coffee Shop from 9 to 10 a.m.