Notice that really only 13% of households can’t absolutely afford a $400 dollar expense, and the difference between the 32% for $500 vs the 40% for $400 > Sixt

Notice that really only 13% of households can’t absolutely afford a $400 dollar expense, and the difference between the 32% for $500 vs the 40% for $400 > Sixty-eight percent of adults said they could pay an expense of at least $500 using only their current savings (table 12). This is a somewhat larger share than the 63 percent of adults who said they would pay an unexpected $400 expense with cash or the equivalent, suggesting that some people do choose to pay with other methods, even if they have cash savings available to them.