The Bush Wealth Advantage : Building financial wellness in a high-cost environment

In October 2025, with the personal savings rate at just 4.4 percent and living costs still elevated from the 2021-2023 inflation surge, many Americans are finding that the basics—emergency funds, debt management and cash flow stability—need attention before sophisticated investment strategies can work. The Emergency Fund Crisis The data here is sobering. The median emergency savings for Americans is just $600, with nearly two in five (37 percent) saying they couldn't afford an emergenc