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1 IN 4 AMERICANS HAS NO EMERGENCY SAVINGS AS THE US GRAPPLES WITH WILDFIRES,
FLOODING, AND DROUGHTS

Hannah Towey
2021-07-21T20:42:25Z
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Krystin Harvey looks at her home burned in the Camp Fire, Saturday, Nov. 10,
2018, in Paradise, California. John Locher/AP
 * More than half of Americans have less than three months' worth of emergency
   savings, a Bankrate study shows.
 * This comes during a summer riddled with extreme weather such as wildfires,
   flooding, and drought.
 * One-third of respondents say they have less money saved than they did before
   the pandemic.

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Emergencies can happen when you least expect them. Financial advisors recommend
people save six to nine months' worth of expenses in case of an emergency — but
25% of Americans say they have no emergency savings at all, according to a new
study from Bankrate.

The survey results come as extreme weather sweeps across the world, with
devastating floods and wildfires hitting 3 continents at once. Experts say the
worsening extreme weather is a consequence of the climate crisis.



 

The smoke from western wildfires traveled all the way to the East Coast on
Wednesday, causing air quality issues and hazy skies. In June, Washington
grocery stores threw out food, covered aisles in plastic sheets, and ran
sprinklers on store roofs as they battled a record-breaking heatwave. Tropical
storm Elsa caused flooding from Florida to New York, with viral videos showing
the areas of the New York City subway system underwater. 

Businesses and individuals impacted by the pandemic and climate emergencies may
not have sufficient funds saved. Bankrate said financial instability is
lingering as a result of the pandemic — last year, nearly 40% of the country's
poorest households suffered from unemployment as millions of low-wage positions
were eliminated.




One-third of survey respondents said they have less emergency savings than they
did before the pandemic, and almost half of Americans said they are not
comfortable with their level of emergency savings.



 

"It takes time to accumulate a sufficient emergency savings cushion equivalent
to at least 6 months of expenses," said Bankrate.com chief financial analyst,
Greg McBride. "This is why the habit of saving – via direct deposit or automatic
bank transfer – is so vitally important, as it represents the pathway to
accumulating a comfortable savings cushion over time."

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NOW WATCH: COMPANIES IGNORING CLIMATE CHANGE WILL BE ON THE 'WRONG SIDE OF
HISTORY,' SAYS WORLD ECONOMIC FORUM EXECUTIVE CHAIRMAN


More: Finance Economy Climate Change Wildfires
 * Flooding

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