id,claim,value,unit,scope,source_publisher,source_url,source_published,data_period,accessed
F1,"53% of Americans do not have sufficient liquidity or access to funds to cover a $1,000 unexpected/emergency expense (equivalently, 47% do).",53,percent,"U.S. adults, fielded December 2-8, 2025",Bankrate,https://www.bankrate.com/banking/savings/emergency-savings-report/,2026-02-04,"December 2-8, 2025",2026-09-25
F2,Nearly 1 in 4 Americans (24%) have no emergency savings at all.,24,percent,"U.S. adults, fielded December 2-8, 2025",Bankrate,https://www.bankrate.com/banking/savings/emergency-savings-report/,2026-02-04,"December 2-8, 2025",2026-09-25
F3,37% of U.S. adults could not cover a hypothetical $400 emergency expense using cash or its equivalent (63% could).,37,percent,"U.S. adults 18+, nationally representative, fielded October 17-28, 2025",Board of Governors of the Federal Reserve System,https://www.federalreserve.gov/publications/2026-economic-well-being-of-us-households-in-2025-savings-investments.htm,2026-05-13,"October 17-28, 2025",2026-09-25
F4,12% of U.S. adults said they would be unable to pay a $400 emergency expense by any means at all.,12,percent,"U.S. adults 18+, nationally representative, fielded October 17-28, 2025",Board of Governors of the Federal Reserve System,https://www.federalreserve.gov/publications/2026-economic-well-being-of-us-households-in-2025-savings-investments.htm,2026-05-13,"October 17-28, 2025",2026-09-25
F5,"The Fed's SHED survey uses a probability-based panel (Ipsos KnowledgePanel, n=12,934) while Bankrate's uses a non-probability, demographically-weighted panel (YouGov, n=2,564) -- a methodological difference contributing to the divergence.",,n/a (methodology comparison),"U.S. adults, 2025 survey waves",Board of Governors of the Federal Reserve System; Bankrate,https://www.federalreserve.gov/publications/2026-economic-well-being-of-us-households-in-2025-description.htm,2026-05-13,"SHED fielded Oct 17-28, 2025; Bankrate fielded Dec 2-8, 2025",2026-09-25