Almost half of US households exhaust their salaries

``Nearly half of U.S. households -- 47 percent -- say they spend all of their income, go into debt or dip into savings to meet their annual expenses, according to an analysis of Fed survey data released Thursday by the Pew Charitable Trusts... If a typical middle-class household had to weather a period of joblessness without any income, they would exhaust their available savings within 21 days, the analysis found. If that same family also cashed in all their retirement investments to get by, they would burn through those assets within four months. ''