四分之一美国成年人零存款
Nearly a quarter of adult Americans have zero savings to pay for emergency situations including a layoff or major medical bills, new research has revealed. Bankrate's newly released June Financial Security Index survey indicates that 24 per cent of Americans have not saved any money at all for their emergency funds. This is despite experts recommending that people strive for a savings cushion equivalent to the amount needed to cover three to six months' worth of expenses. Surprisingly, Bankrate says that this is a good thing — the percentage of people with zero savings for a financial emergency is actually now at its lowest rate since the financial services company began polling in 2011. The June survey also found that 31 per cent of Americans have what Bankrate considers an 'adequate' savings cushion — six or more months' worth of money to pay expenses — which means that nearly two-thirds of the country isn't saving enough money. Bankrate broke down its survey results to distinguish between baby boomer and millennials' savings habits. Of the 1,003 adults surveyed, the financial services company found that young millennials — ages 18 to 26 — frequently fell into the category that saved three to five months' worth of expenses money. Of the young millennials polled, 27 per cent said they had three to five months' of emergency expenses money saved, as compared to only 11 per cent of baby boomers who'd saved the same amount of money. |