Everyone needs a rainy-day fund — your financial health depends on it. Your employer could help you build one.

Many companies offer 401(k)s and other retirement plans, but until recently few had programs to promote short-term savings. That’s starting to change, as employers experiment with matching funds, payroll deductions and other methods to encourage workers to build emergency funds.

In my latest for the Associated Press, see why employer-sponsored emergency savings accounts are beginning to gain traction.