Here's the percentage of the survey respondents aged 45 to 54 who have:
$0 saved: 40 percent
Less than $1,000 saved: 18 percent
$1,000 to $4,999 saved: 12 percent
$5,000 to $9,999 saved: 6 percent
$10,000 or more saved: 25 percent
How much cash should you have stashed away?
Experts typically advise keeping three-to-six months' worth of expenses in an emergency fund to cope with an accident, crisis or layoff. Some, including financial guru Suze Orman suggest you aim to put away even more: enough to support yourself for about a year.
"When you're first starting out, there might be some other things you need to do before getting to that goal [of three to six months' worth of expenses], such as paying off debt," certified financial planner Carolyn McClanahan tells CNBC Make It.
That being said, "you always want to have one month in advance," she says. "That way, you're not living paycheck to paycheck." And this way, if an emergency does arise, you're less likely to have to go into debt to cover it.
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