大部分美国人在2025年没有增加紧急储蓄, Most Americans didn’t boost emergency savings in 2025, leaving them financially vulnerable.

A Bankrate调查发现,80%的美国人没有增加2025年的紧急储蓄,使他们容易受到失业或医疗账单等金融冲击的影响。 A Bankrate survey finds 80% of Americans did not add to their emergency savings in 2025, leaving them vulnerable to financial shocks like job loss or medical bills. 专家强调设立一个基金,通过在一个单独账户中提供一致的小额捐款,支付3至6个月的费用。 Experts stress building a fund covering three to six months of expenses through consistent, small contributions in a separate account. 虽然那些更经常储蓄的人的收入较高,但大多数人仍然缺乏这个重要的财政安全网,这突出表明,尽管已经证明紧急储蓄有利于稳定和心理健康,但普遍没有将紧急储蓄列为优先事项。 While those who saved more often had higher incomes, most still lack this critical financial safety net, highlighting a widespread failure to prioritize emergency savings despite its proven benefits for stability and mental well-being.