Pew Charitable Trusts looks at Americans' habits around saving for emergencies.

Americans know they need to save more--especially for emergency occasions that inevitably come up, and throw household balance sheets into a tizz.

This report looks in depth at the whys and wherefores of American households' savings, or lack thereof, and their attitudes towards it all, which are mostly ones of quiet, helpless desperation. The report notes:

Americans say unexpected expenses make it hard to save. Seventy-one percent of survey respondents face difficulty saving because of expenses they didn’t plan for, including 26 percent who say this happens most months or just about every month.

For folks like this to qualify for a mortgage these days, there's going to need to be a bunch of work done.

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