About a quarter of Americans have no money saved to handle emergencies, according to poll results released recently that showed households in worse shape than they were a year ago to deal with financial trouble.

The Bankrate.com survey also found two-thirds of respondents said they have less than the recommended six months’ worth of readily available savings to cover living expenses in case of a lost job or other difficulties.

“Americans continue to show a stunning lack of progress in accumulating sufficient emergency savings,” said Greg McBride, chief financial analyst for the financial-information website.

The Bankrate.com survey of 1,004 adults found that people 30 to 49 years old were the least likely to have readily available emergency savings.

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But even the highest earners, those with annual incomes of more than $75,000, had trouble putting money away. Less than half of them — 46 percent — had six months’ worth of savings, the poll found.