Financial stress is like drowning.

That’s the message in SunTrust’s ad titled “Hold Your Breath,” which is set to run during the second half of the Super Bowl on Sunday.

The 30-second ad, which is sure to stand out among all the humorous and over-the-top commercials, isn’t all doom and gloom. SunTrust says it is trying “to help America catch its breath by lighting the way to financial confidence” through its onUp program.

Financial insecurity widespread

Financial distress is a pervasive problem across the country.

A recent Bankrate survey found that 63% of Americans don’t have enough savings to cover a $500 emergency. And to cover the expense, they would have to cut back spending in other areas or charge it to a credit card.

It’s not just Americans’ savings accounts that fall short. Another Bankrate survey found that retirement accounts aren’t getting much attention either, with 10% of Americans not contributing a penny toward retirement.

Don’t let the weight of financial distress hold you down. We have our own tips to set you on the path to financial freedom. These 10 savings tips will get you started.