A new study has revealed the hardest place in America to save money with sky high housing prices, cost of living and debt. 

Surprisingly it's not New York or Los Angeles. 

Research by Forbes Advisor found the most difficult place to save each month is the Riverside-San Bernardino-Ontario area in California. 

An analysis of cost of living, income tax, housing costs and debt to income ratio put the metro area in top spot. 

It was closely followed by the Anaheim area of Los Angeles, then Miami and New York. 

Research by Forbes Advisor found the most difficult place to save each month is the Riverside-San Bernardino-Ontario area in California

The area has the highest debt-to-income ratio of the 15 metros Forbes analyzed

The Riverside-San Bernardino-Ontario area sits to the East of Los Angeles. 

Residents have the highest debt to income ration (2.59) out of all of the areas that Forbes looked at. 

On average, residents spend a quarter of their income on housing, while one in three renters spends over half of their income on rent. 

A shocking 40 percent of residents have recently struggled to pay for usual expenses while 13 percent have experienced food scarcity, according to the study. 

Housing is a major drain for Californians, and the study ranked the state the hardest to save in across the US. 

In second place is the Anaheim area of Los Angeles.

The area ranks second for the average percentage of income spent on housing, 26 percent, and the percentage of renters who spend at least half of their income on rent, 30 percent. 

Third and Fourth place are taken by East Coast cities, Miami, in third, followed by New York

New York comes in fourth place as one of the most expensive places to live in the country, making it very difficult for residents to save

Third and fourth place are taken by East Coast cities, Miami, in third, followed by New York. 

Miami has the highest housing costs of all the areas overall, according to the study, with residents spending an average 30 percent of their income on housing. 

New York comes in fourth place as one of the most expensive places to live in the country, making it very difficult for residents to save. 

Nearly one in three residents spends at least half their income on rent while 31 percent find it difficult to pay for their regular expenses. 

In fifth place is Atlanta, Georgia, where residents struggle with high income tax and housing prices.