About 21-percent of Wyoming households are not prepared to weather a storm financially if unexpected big bills pop up.

The nonprofit Corporation for Enterprise Development has issued a report showing that Wyomingites make about seven thousand dollars less per year than the average American worker, and carry an average credit card debt of 76-hundred dollars. Don Baylor with the Center for Public Policy Priorities says that's a precarious situation.

"They're essentially a job loss away from having zero assets."

The report recommends a state tax credit for working families and state support for savings-match programs for low-income families.

Baylor says low college graduation rates play into the picture as well, because quality education equals expanded earnings and savings.