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Most Americans would have some trouble paying for an unexpected $400 expense. About 45 percent of people would pay off the cost with cash from their checking or savings account. Other respondents hobbled together a combination of alternative payments including, paying off credit cards over time; borrowing from friends and family; selling something; opening a line of credit or bank loan, and using a payday loan or accepting overdraft fees.

Since 2013, people鈥檚 self-reported ability to handle unexpected expenses has increased. Still, 16 percent of respondents simply said they would not be able to pay for the expense if it came up. The , which conducted the study, found that a fifth of adults had an unexpected medical bill the previous year, with about a quarter of adults skipping essential medical care in 2018 because they couldn鈥檛 foot the bill.