Nearly a quarter of Americans lack emergency savings, Bankrate 2026 report finds

7 articles · Updated · Log Cabin Democrat · Apr 25

Bankrate’s 2026 Annual Emergency Savings report shows 37% of Americans with savings used those funds in the past year.
Rising living costs and unexpected expenses are making it increasingly difficult for many Americans to build or maintain emergency funds.
Severe weather events like tornadoes and wildfires highlight the growing importance of emergency savings for long-term financial health.

Are personal savings enough, or is this crisis a sign of failing economic safety nets?

Why are Gen Zers the most likely to have zero credit card debt but also zero emergency savings?

How can families build savings when rising costs leave nothing extra each month?

Could employer-matched savings accounts be the most effective solution for working Americans?

As climate disasters make homes uninsurable, what is the financial future for homeowners in high-risk areas?