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Americans have a savings crisis. Or more accurately, we have a crisis of under-saving.
In 2026, about a third of U.S. adults have $0 saved for emergencies. People in this group often feel like they're just bad with money. However, you should keep in mind that we're all facing factors beyond our control. Between inflation, high medical costs, and challenges in the job market, many Americans are finding it difficult or even impossible to save money.
It's difficult to say exactly how many Americans have $0 in savings, since different sources cite different figures.
One survey from Empower found that 32% of respondents reported they had no emergency savings. And 39% said rising prices are the biggest roadblock to saving for a rainy day.
Meanwhile, a Yahoo Finance and Marist poll put the number of Americans without savings higher; 35% of respondents said their savings would not last them a full month if they lost income.

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4 hours ago

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