Maurie Backman, The Motley Fool Published 6:00 a.m. ET March 31, 2019

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USA TODAY asked individuals how much they worried about emergency savings and why they found saving to be important. USA TODAY

It’s no secret that saving money is difficult. If it weren’t, we’d all be richer, wouldn’t we?

But the savings crisis in America has gotten so bad that the majority of working adults are dangerously vulnerable in the face of emergencies. In fact, 58 percent of Americans have , according to a 2018 GOBankingRates survey. And a big reason for that boils down to not knowing how to effectively save.

Now you’ll often hear that following a is