It isn't always easy to save money, especially if you're a millennial. Young people must juggle with the higher costs of significant expenses like , and . If you're looking to set aside more money, according to a new study from Bankrate, there's one major factor that could determine how easy, or how hard, it is for you to save: your location. Based on its data, here are the top 10 U.S. metro areas where it's easiest to save money, and where your savings would go the furthest.

Kansas City (covers parts of Missouri and Kansas)

Annual saving potential: $12,191

Six-month emergency fund: $19,443

Percentage of savings goal achieved: 63

Cincinnati (covers parts of Ohio, Kentucky and Indiana)

Annual saving potential: $11,231

Six-month emergency fund: $19,897

Percentage of savings goal achieved: 56

Memphis (cover parts of Tennessee, Mississippi and Arkansas)

Annual saving potential: $9,348

Six-month emergency fund: $16,638

Percentage of savings goal achieved: 56

Columbus, Ohio

Annual saving potential: $10,431

Six-month emergency fund: $20,255

Percentage of savings goal achieved: 52

St. Louis (covers parts of Missouri and Illinois)

Annual saving potential: $10,054

Six-month emergency fund: $19,570

Percentage of savings goal achieved: 51

Baltimore-Columbia-Towson, Maryland

Annual saving potential: $13,127

Six-month emergency fund: $25,584

Percentage of savings goal achieved: 51

Pittsburgh, Pennsylvania

Annual saving potential: $8,894

Six-month emergency fund: $18,485

Percentage of savings goal achieved: 48

Indianapolis-Carmel-Anderson, Indiana

Annual saving potential: $8,789

Six-month emergency fund: $18,561

Percentage of savings goal achieved: 47

Raleigh, North Carolina

Annual saving potential: $10,675

Six-month emergency fund: $23,822

Percentage of savings goal achieved: 45

Oklahoma City, Oklahoma

Annual saving potential: $7,787

Six-month emergency fund: $18,203

Percentage of savings goal achieved: 43 To determine where it's easiest to save, the researchers used a three-step approach. First, they figured out how much you'd need in an emergency fund that could cover six months of expenses, using the cost of necessities like mortgage payments, groceries and various insurances among other expenses. Second, they took the average after-tax earnings of residents of each city and subtracted estimated annual essential expenses to get the "annual saving potential." So, your annual saving potential is your net annual income minus the annual expenses you can't live without. Third, the researchers looked at how far your saving potential could get you to achieving your emergency fund goal. "The higher the percentage," says Bankrate, "the easier it is to save."