Suze Orman says ‘$400 can make

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Lauren Bird

Sat, November 26, 2022 at 6:00 PM·5 min read

Suze Orman says ‘$400 can make all the difference’ in an emergency yet one third of Americans don’t have that much — here's how to stop a rainy day from becoming a financial disaster

We all know we should be saving, putting a little away every paycheck for a rainy day.

But with the high cost of food, gas and housing, it’s not surprising that many Americans have very little left of their paycheck to put in a rainy day fund.

But not having a savings account – even a small one — can leave you dealing with long-term problems like debt, says personal finance expert Suze Orman.

That snowball effect is something Orman has seen over and over again in her career.

Orman, who has written several books on personal finance and is the host of the Women & Money Podcast, recently sat down with MoneyWise to talk about the importance of emergency savings.

“It's yours and sometimes things happen in life and you should have a little account that's just yours that nobody can get … just to keep you safe and sound.”

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WATCH NOW: Suze Orman tells a cautionary tale on what happens when you can't cover your next financial emergency

If you’re not saving, you’re not alone

When it comes to how people handle financial emergencies in the U.S., there are some shocking statistics.

In 2021, a third of Americans couldn’t Temp Mail cover a $400 emergency expense, according to the Federal Reserve.

And without that small fund, many people will take on debt to try and cover the expense.

Orman says big problems can happen when you have to reach for your credit cards or tap into your 401(k) to cover those unexpected expenses.

It’s part of the reason she co-founded SecureSave, a company that is aiming to help people build a savings account through their employer, similar to a 401(k).

WATCH NOW: Full 30-minute Q&A with Suze Orman and Devin Miller of SecureSave

One in five Americans have dipped into the 401(k)s or IRAs to cover an emergency expense, according to a survey by NY Sports Day.