I didn't hear Charles Paynes talk but I'd say that it's closer to 44% couldn't come up with $400 in an emergency. My guess is the percentage of folks who couldn't reach $1000 is far higher.
All I can say is God bless Dave Ramsey. He's changing peoples attitude toward debt in a good way.
To answer the question Yes, easily.
NRA LIFE MEMBER GOD BLESS OUR TROOPS ESPECIALLY THE SNIPERS! "Suppose you were an idiot And suppose you were a member of Congress... But I repeat myself." -Mark Twain