{
  "meta": {
    "slug": "the-safety-net",
    "name": "Share of Adults Who Would Use Savings for a $1,000 Emergency",
    "branded_name": "The Safety Net",
    "description": null,
    "source": "Bankrate Emergency Savings Report",
    "source_credit": null,
    "source_url": "https://www.bankrate.com/banking/savings/emergency-savings-report/",
    "frequency": "annual",
    "units": "percent",
    "fred_series_id": null,
    "fred_edge_series_id": null,
    "bls_series_id": null,
    "series_id": null,
    "measurement_basis": null,
    "door": 3,
    "trend": "unknown",
    "trend_suppressed": "series_break",
    "series_breaks": [
      {
        "date": "2023-01-25",
        "reason": "Bankrate's January 2023 report was the first taken on the SSRS Opinion Panel, a probability-based panel answered mostly online, while earlier reports used SSRS's telephone survey, so readings before and after it were collected in different ways.",
        "source_url": "https://www.bankrate.com/f/102997/x/fca64133d1/2023-january-fsp-emergency-savings-press-release.pdf"
      },
      {
        "date": "2026-01-21",
        "reason": "Bankrate’s 2026 report added a separate “regular income or cash flow” answer that earlier years did not offer, and moved from an SSRS probability panel to a YouGov non-probability online panel. Bankrate’s own 2026 net for savings plus income or cash flow is 47 percent — 30 percent from savings plus 17 percent from income or cash flow — and Bankrate does not describe it as comparable with earlier years.",
        "source_url": "https://www.bankrate.com/press-releases/just-30-of-americans-say-they-would-pay-an-emergency-expense-of-1000-from-savings/"
      }
    ],
    "direction": "not_applicable",
    "last_updated": "2026-08-14T08:07:30Z",
    "stale": false,
    "stale_reason": null,
    "data_status": "current",
    "page_url": "https://americandefault.org/indicators/the-safety-net/",
    "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": 30,
    "date": "2026-01-21"
  },
  "last_verified": null,
  "data": [
    {
      "date": "2021-12-31",
      "value": 39
    },
    {
      "date": "2022-12-31",
      "value": 44
    },
    {
      "date": "2023-12-31",
      "value": 43
    },
    {
      "date": "2024-12-31",
      "value": 44
    },
    {
      "date": "2025-12-31",
      "value": 41
    },
    {
      "date": "2026-01-21",
      "value": 30
    }
  ]
}