Start Saving. Start Winning... Yotta was founded to help Americans become more financially secure. According to the Federal Reserve, 40% of Americans can’t come up with $400 in an emergency. This leaves almost half the country in a financially vulnerable position. Even though 40% of Americans struggle to save, Americans spend $80 billion on the lottery every year, or $640 per household on average. The lottery is the worst bet you can make - only 50% of what's put in is paid out