About half of households are considered financially fragile, which means they’re not sure they could come up with $2,000 in 30 days if they had to. Lack of emergency savings is common. It affects about half of households that earn $25,000 to $75,000 a year, and about a quarter of households that earn more than $75,000 a year. Research shows that consumers have many reasons for their actions. To gain insight into why it’s so hard for consumers to build savings to manage financial emergencies, consider these factors.