Bankrate.com writes, "More Americans are getting better about saving. No, really!" They explain, "Way to go, savers! There are more of you out there, putting more money away in case of a financial emergency. Only 24 percent of adults now say they have no money saved for an emergency like a layoff or a huge medical bill, according to Bankrate's June Financial Security Index survey. That's the lowest level since polling began in 2011. Also, 31 percent have what's considered an adequate savings cushion: enough to cover six months' worth of expenses or more. That's the highest Bankrate has seen in the seven years we've been asking about that. But, looking at the flip side, the findings mean about a quarter of Americans still don't have any emergency fund. And more than two-thirds are short on savings." The piece adds, "Experts recommend having enough savings to cover expenses for three to six months. If you're an entrepreneur or breadwinner, McBride says, you may need to save more. Bankrate's survey finds 1 in 5 adults has some savings but not enough to pay the bills for the three-month minimum. To help you reach the three-month savings target, put any extra money you make into a high-yield savings or money market account."