{
  "meta": {
    "slug": "the-400-test",
    "name": "SHED Emergency Savings Survey",
    "branded_name": "The $400 Test",
    "description": null,
    "source": "Board of Governors of the Federal Reserve System Survey of Household Economics and Decisionmaking",
    "source_credit": null,
    "source_url": "https://www.federalreserve.gov/consumerscommunities/shed.htm",
    "frequency": "annual",
    "units": "percent",
    "fred_series_id": null,
    "fred_edge_series_id": null,
    "bls_series_id": null,
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    "measurement_basis": null,
    "door": 3,
    "trend": "stable",
    "trend_suppressed": null,
    "series_breaks": [],
    "direction": "higher_is_worse",
    "last_updated": "2026-07-20T00:00:00Z",
    "stale": false,
    "stale_reason": null,
    "data_status": "current",
    "page_url": "https://americandefault.org/indicators/the-400-test/",
    "attribution": "American Default (americandefault.org) — Our analysis is free to use with attribution to American Default Research. Source data stays under each publisher's terms; cite the source named here."
  },
  "current": {
    "value": 37,
    "date": "2025-12-31"
  },
  "last_verified": null,
  "data": [
    {
      "date": "2013-12-31",
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      "date": "2014-12-31",
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      "date": "2019-12-31",
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    {
      "date": "2020-12-31",
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    {
      "date": "2021-12-31",
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    {
      "date": "2022-12-31",
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      "date": "2023-12-31",
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      "date": "2024-12-31",
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}