Photo coutresy 401(K) 2012
Photo coutresy 401(K) 2012

A survey by the FINRA Investor Education Foundation showed that the ratio of the 47,000 respondents who have set aside three months of emergency funds rose to 46% in 2015, compared to 40% during the last survey in 2012. Wall Street Journal staffer Yuka Hayashi takes a look at this increase in the number of Americans with savings.

The rainy day fund improvements reflect positive overall gains for the economy. Additionally, Americans are carrying less debt:

Debt burdens have also declined, with the exception of student loans. More than half the respondents reported they always paid their credit cards in full, while one in three homeowners said their down-payment was more than 20% of the purchase price of their homes, up from less than one in four in 2009.

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