More than one-third of Americans at risk of financial crisisAccording to a newly released report from Bankrate, 24 percent of Americans have more credit card debt than emergency savings, and 13 percent are not much better off, Putting it another way, more than a third of Americans are living at risk of a financial crisis.  “Americans are unprepared for emergencies,” said Greg McBride, chief financial analyst at Bankrate. “By not having emergency savings and using some of your available credit, your options in the event of unplanned expenses are much more limited.” So are you prepared for a “Crisis” or an “Emergency or “Disaster”? Many people can be prepared “Spiritually” but overlook practical wisdom and not prepare their families for the uncertain or some unforeseen disaster!