{
  "schema_version": 1,
  "study": "Carrowmont U.S. Emergency Savings & Income-Loss Resilience Report",
  "geography": "United States",
  "published": "2026-10-23",
  "official_source": {
    "name": "Federal Reserve Board - Economic Well-Being of U.S. Households in 2025",
    "survey": "Survey of Household Economics and Decisionmaking (SHED)",
    "publication_date": "2026-05-13",
    "survey_field_period": "October 2025",
    "url": "https://www.federalreserve.gov/publications/2026-economic-well-being-of-us-households-in-2025-savings-investments.htm"
  },
  "official_metrics": {
    "three_month_fund_pct": 55,
    "three_month_other_means_pct": 15,
    "three_month_unable_pct": 30,
    "cash_equiv_400_pct": 63,
    "unable_400_pct": 12,
    "at_least_500_from_savings_pct": 70,
    "major_unexpected_expense_pct": 59
  },
  "three_month_savings_by_monthly_surplus_frequency": [
    {
      "frequency": "Never",
      "percent_with_three_month_fund": 13
    },
    {
      "frequency": "Rarely",
      "percent_with_three_month_fund": 26
    },
    {
      "frequency": "Sometimes",
      "percent_with_three_month_fund": 52
    },
    {
      "frequency": "Often",
      "percent_with_three_month_fund": 75
    },
    {
      "frequency": "Always",
      "percent_with_three_month_fund": 86
    }
  ],
  "largest_emergency_expense_using_only_savings": [
    {
      "amount_band": "Less than $100",
      "percent": 18
    },
    {
      "amount_band": "$100-$499",
      "percent": 12
    },
    {
      "amount_band": "$500-$999",
      "percent": 9
    },
    {
      "amount_band": "$1,000-$1,999",
      "percent": 11
    },
    {
      "amount_band": "$2,000-$4,999",
      "percent": 12
    },
    {
      "amount_band": "$5,000 or more",
      "percent": 38
    }
  ],
  "carrowmont_runway_matrix": [
    {
      "reserve_usd": 5000,
      "monthly_cash_shortfall_usd": 1500,
      "months_runway": 3.33
    },
    {
      "reserve_usd": 5000,
      "monthly_cash_shortfall_usd": 2500,
      "months_runway": 2.0
    },
    {
      "reserve_usd": 5000,
      "monthly_cash_shortfall_usd": 3500,
      "months_runway": 1.43
    },
    {
      "reserve_usd": 5000,
      "monthly_cash_shortfall_usd": 5000,
      "months_runway": 1.0
    },
    {
      "reserve_usd": 10000,
      "monthly_cash_shortfall_usd": 1500,
      "months_runway": 6.67
    },
    {
      "reserve_usd": 10000,
      "monthly_cash_shortfall_usd": 2500,
      "months_runway": 4.0
    },
    {
      "reserve_usd": 10000,
      "monthly_cash_shortfall_usd": 3500,
      "months_runway": 2.86
    },
    {
      "reserve_usd": 10000,
      "monthly_cash_shortfall_usd": 5000,
      "months_runway": 2.0
    },
    {
      "reserve_usd": 20000,
      "monthly_cash_shortfall_usd": 1500,
      "months_runway": 13.33
    },
    {
      "reserve_usd": 20000,
      "monthly_cash_shortfall_usd": 2500,
      "months_runway": 8.0
    },
    {
      "reserve_usd": 20000,
      "monthly_cash_shortfall_usd": 3500,
      "months_runway": 5.71
    },
    {
      "reserve_usd": 20000,
      "monthly_cash_shortfall_usd": 5000,
      "months_runway": 4.0
    },
    {
      "reserve_usd": 30000,
      "monthly_cash_shortfall_usd": 1500,
      "months_runway": 20.0
    },
    {
      "reserve_usd": 30000,
      "monthly_cash_shortfall_usd": 2500,
      "months_runway": 12.0
    },
    {
      "reserve_usd": 30000,
      "monthly_cash_shortfall_usd": 3500,
      "months_runway": 8.57
    },
    {
      "reserve_usd": 30000,
      "monthly_cash_shortfall_usd": 5000,
      "months_runway": 6.0
    }
  ],
  "carrowmont_income_loss_example": {
    "dependable_monthly_income_usd": 6000,
    "essential_monthly_outflow_usd": 4800,
    "accessible_reserve_usd": 20000,
    "scenarios": [
      {
        "income_reduction_pct": 25,
        "remaining_income_usd": 4500.0,
        "essential_monthly_outflow_usd": 4800,
        "monthly_cash_shortfall_usd": 300.0,
        "months_runway_on_20000_reserve": 66.67
      },
      {
        "income_reduction_pct": 50,
        "remaining_income_usd": 3000.0,
        "essential_monthly_outflow_usd": 4800,
        "monthly_cash_shortfall_usd": 1800.0,
        "months_runway_on_20000_reserve": 11.11
      },
      {
        "income_reduction_pct": 100,
        "remaining_income_usd": 0.0,
        "essential_monthly_outflow_usd": 4800,
        "monthly_cash_shortfall_usd": 4800.0,
        "months_runway_on_20000_reserve": 4.17
      }
    ],
    "note": "Illustrative deterministic scenario only. It excludes severance, benefits, taxes, spending reductions, investment returns and new emergency costs."
  },
  "three_month_target_examples": [
    {
      "monthly_essential_outflow_usd": 1500,
      "three_month_target_usd": 4500
    },
    {
      "monthly_essential_outflow_usd": 2500,
      "three_month_target_usd": 7500
    },
    {
      "monthly_essential_outflow_usd": 3500,
      "three_month_target_usd": 10500
    },
    {
      "monthly_essential_outflow_usd": 5000,
      "three_month_target_usd": 15000
    }
  ]
}