Americans have improved their spending habits when it comes to “living within their means,” but that doesn’t mean they would necessarily be secure should a financial emergency arise.

Today reports that a new survey from Bankrate.com finds a quarter of us owe more on our credit cards than we have in our savings accounts. 

“Even though there’s been progress, things are still out of whack,” Bankrate.com’s senior financial analyst, Greg McBride, tells the news show.

As you might imagine, Americans who earn less and have less education tend to have the highest debt-versus-savings ratio, Today reports.

“Over the years, the savings needle hasn’t moved,” McBride tells the show. “From 2007 [to] 2011, the percentage of Americans with three months’ worth of expenses in savings, which is not adequate, is unchanged.”

And just think, we may need that money merely to fill up our cars with gas.

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