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Survey of Household Economics and Decisionmaking

Adults who have 3 months emergency savings

Percent

Year	All adults
2015	47
2016	48
2017	50
2018	51
2019	53
2020	55
2021	59
2022	54

Note: Among all adults.

Adults who have 3 months emergency savings, by education

Percent

Characteristic	2015	2016	2017	2018	2019	2020	2021	2022
Less than a high school degree	23	25	25	24	26	26	30	24
High school degree or GED	41	40	42	42	42	44	48	42
Some college / technical or associate degree	43	45	44	46	49	49	54	48
Bachelor's degree or more	64	64	65	67	70	73	76	73

Note: Among all adults.

Adults who have 3 months emergency savings, by race/ethnicity

Percent

Characteristic	2015	2016	2017	2018	2019	2020	2021	2022
Asian	58	64	63	60	68	68	69	67
Black	34	34	35	39	38	41	44	40
Hispanic	35	38	38	38	39	42	51	43
White	52	52	55	56	59	61	64	60

Note: Among all adults.

Adults who have 3 months emergency savings, by metro/non-metro status

Percent

Characteristic	2015	2016	2017	2018	2019	2020	2021	2022
Non-metro	42	44	44	44	47	49	51	45
Metro	48	49	51	52	54	56	60	55

Note: Among all adults.

Adults who have 3 months emergency savings, by parental status

Percent

Characteristic	2015	2016	2017	2018	2019	2020	2021	2022
Parents living with own children under age 18	39	41	41	42	43	47	54	49
All other adults	50	51	53	54	57	58	61	56

Note: Among all adults.

Data visualization disclaimer

Last Update: May 22, 2023