研究顯示 24%的美國成年人一分錢存款都沒有!

Nearly a quarter of adult Americans have zero savings to pay for emergency situations including a layoff or major medical bills, new research has revealed.

據一項最新研究顯示，近四分之一的美國成年人沒有儲蓄以供諸如失業和重大醫療等情況下使用。

Bankrate's newly released June Financial Security Index survey indicates that 24 per cent of Americans have not saved any money at all for their emergency funds.

據Bankrate今年6月發佈的金融安全指數調查表明，24%的美國人的應急資金存款爲零。

This is despite experts recommending that people strive for a savings cushion equivalent to the amount needed to cover three to six months' worth of expenses.

儘管有專家曾建議，人們都應該盡力保持可以維持3-6個月開支的儲蓄金額。

Surprisingly, Bankrate says that this is a good thing — the percentage of people with zero savings for a financial emergency is actually now at its lowest rate since the financial services company began polling in 2011.

但是令人驚訝的是，Bankrate卻表示這是一件好事--事實上，現在24%的零儲蓄率是自從該公司2011年開始調查以來的最低值了。

The June survey also found that 31 per cent of Americans have what Bankrate considers an 'adequate' savings cushion — six or more months' worth of money to pay expenses — which means that nearly two-thirds of the country isn't saving enough money.

該調查還發現，31%的美國人擁有Bankrate認爲的“足額”存款--至少可以維持6個月開支的金額，也即是說美國近三分之二的人存款不足。

Bankrate broke down its survey results to distinguish between baby boomer and millennials' savings habits.

Bankrate還力求從其調查結果中區分嬰兒潮一代和千禧年一代儲蓄習慣的不同。

Of the 1,003 adults surveyed, the financial services company found that young millennials — ages 18 to 26 — frequently fell into the category that saved three to five months' worth of expenses money.

在全部受訪的1003名成年人中，該公司發現，千禧一代年輕人（18到26歲）中，很多人都擁有可維持3到5個月開支的存款。

Of the young millennials polled, 27 per cent said they had three to five months' of emergency expenses money saved, as compared to only 11 per cent of baby boomers who'd saved the same amount of money.

在千禧一代年輕人中，27%的人表示，他們擁有3到5個月的存款以備不時之需，而嬰兒潮一代擁有此數額存款的人只有11%。