When disaster strikes, emergency savings can be a financial lifeline. But a new survey shows many Americans arent adding to those funds.Bankrates annual emergency savings report found that 8 in 10 people said they did not contri bute anything to their emergency savings in 2025. That can be a major problem in cases such as job loss, medical issues or other unexpected expenses.The survey also noted that people who socked away more money this year typically saw an increase in their income.RELATED STORY | More than half of Americans are losing sleep over finances. Here are ways to manage your moneyFinancial experts recommend determining how much is needed for an emergency fund. The common advice is to have enough to cover three to six months of expenses.Experts also suggest keeping the money in a separate account and regularly setting aside small amounts. They say even modest contributions now could make a big difference later.This story was originally published by Susan El Khoury with the Scripps News Group in Tampa.WATCH | Money-saving strategies for 2026: Groceries, cars, phones more ...read more read less