LA CROSSE, Wis. (WKBT) -

If you think your savings account is a little small, you're not alone.

A new survey by BankRate.com shows about one in four Americans don't have any emergency savings, and many of those that do aren't saving enough.

Financial advisors recommend having at least three months' worth of expenses in a rainy day fund, if not closer to six months.

The survey found only about 23% had that much put away.

"In theory, in six months most people can find another job or change their lifestyle, but you just want to make sure you've got that cushion in case something goes wrong," said Mike Klauke, a financial advisor for Klauke Investment and Insurance Services.

"The key thing is you have to pay yourself first," said Klauke. "So what you need to do when you get that check is you need to either maybe have it automatically [taken out]. A lot of our local employers will put a portion of it maybe in a savings account, and put the rest in your bank account."

Klauke says if you save $20 a week, you'll save roughly $1,000 a year.

He recommends his clients save 10% of their paychecks for retirement and long-term savings.