If You're Like Most Americans, You're Wasting Your Emergency Savings on Non-Emergencies

NEW YORK (MainStreet) -- More than one-quarter of all Americans have no emergency savings. Only slightly more than half have more emergency savings than credit card debt. What's more, even if you have emergency savings, there's a good chance that you're always finding "reasons" to spend it. That's going to chip away at your savings, leaving you without the cash you need when you really need it. So how do you know when you're really in a jam and when you're just making excuses? Emergency Spendi...