Most Americans have a surprising amount in savings

By Sean Dowling, Buzz60

We're always told to save money for a rainy day.

But when trouble actually comes knocking, chances are the person behind the door is strapped for cash and won't have enough to cover the costs of whatever emergency has arrived.

According to an alarming new survey, nearly 7 in 10 Americans have less than $1,000 to their name; highlighting the country's poor savings habits.

Personal-finance news website GoBankingRates asked 7,052 people how much they had in their savings accounts.

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Lessons that teach your kids to save money
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Lessons that teach your kids to save money

Play money-centered board games or games on apps, like Monopoly or Money Race.
It's an interactive and fun way for your kids to learn about basic financial practices without feeling like they're being lectured.

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Give them an allotted amount of cash to spend on lunch each week.
Your child will learn how to budget accordingly throughout the week, figuring out how to balance spending money on food some days vs bringing their own on other days (something that can be directly translated into the adult workplace).

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Have them write down or tell you their absolute dream toy.
Then, show them that it's possible to have that toy if they save x enough money for x amount of weeks.

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Give them an allowance.

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Stick to a set time and date each month for giving your child their allowance.
Practicing giving your children their allowance every other week or on certain dates of each month will help them prepare for set paydays in the working world--it will teach them to budget out and how to know when to save up in anticipation.

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Match your child's savings each month.
This will imitate a 401K and show your child ways in which saving can (literally) pay off.

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Have your kid organize their funds in to different jars to represent different accounts.
Examples could be "Saving", "Spending", "Charity", "Emergency", "College".

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Take your kids grocery shopping and explain certain choices you make with your purchases to them.
Your children will benefit from knowing what's best to purchase name brand vs. generic, why some snacks are better to buy in bulk, etc.

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They found nearly 7 in 10, 69% to be exact, had less than a grand in their savings account.

That's up from 62% when the same question was posed in 2015.

RELATED: Savings account growth over time

Upon closer inspection, 34% of Americans have nothing in their savings account.

Lower-income adults struggle with saving money more than middle and upper-income individuals, but no income group did all that well.

Even those making bank!

For instance, 44% of those making between 100 and $149,000 had less than $1,000 in savings.

Given the recommendation for Americans to have six months in expenses saved up in case of an emergency like a medical expense or losing a job, the survey results are particularly worrisome.

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