There‘s one thing the record 35-day government shutdown made clear: Americans aren‘t saving for a rainy day.

“The partial government shutdown serves as a wake-up call that emergency savings must be made a more serious priority,” said Mark Hamrick, senior economic analyst at Bankrate.

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Over three-quarters of all full-time workers are living , according to a report from jobs site CareerBuilder. Just 40 percent of Americans are with their savings, to a separate survey from personal finance website Bankrate.

“Too many are failing to expect the unexpected — that either significant expenses, or an interruption in income, will occur at some point,” Hamrick said.

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