Americans spend $70 billion a year on the lottery, but in general, they struggle to put away money into savings. Sixty percent of people don't have $500 on hand for emergencies. A University of Colorado alumna is trying to change that with an app that rewards savers by letting them play no-risk lottery games. The app is Long Game, and creator Lindsay Holden tells Colorado Matters it has drawn 70,000 users and more than $6 million in venture capital in the last year. Holden says the idea is to draw millennials -- who tend to like online games -- into the habit of saving.