Groundbreaking research on the financial lives of Americans

The U.S. Financial Health Pulse offers an ongoing snapshot of how Americans manage their finances, along with actionable insights to improve financial health.



How Financially Healthy Is America?

Our research shows that Americans fall into one of three financial health tiers.




A Closer Look at Financial Health

Trends

1

Generational Prosperity Gap

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2

Increasing Costs of Living

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3

The Price of Instability

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Generational Prosperity Gap

Americans who struggled financially growing up are less likely to be
Financially Healthy today than those who did not struggle.

People who did not struggle financially growing up are twice as likely to be Financially Healthy as those who did.

Black and Hispanic Americans are particularly affected by a lack of generational mobility.

Education and stable employment may offset the effects of childhood circumstances.


Increasing Costs of Living

The high costs of basic living expenses are challenging Americans’
ability to lead Financially Healthy lives.

Wages have risen by just 10 percent since 1973, while housing, food, and healthcare costs have soared.

Millions of Americans are struggling to afford these basic necessities.

These individuals are less likely to be Financially Healthy and more likely to be financially stressed.


The Price of Instability

Americans with unstable jobs are falling behind as they strive for financial health.

Employees making $30,000 - $60,000 are most affected by workplace instability.

These employees would gain the most from employer provided benefits.

Yet, workplace benefits are out of reach for many low- to moderate-income Americans.

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News

Most Americans aren’t financially healthy despite booming economy, survey finds

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Behind the latest rosy jobs figures, here’s the ‘true state’ of Americans’ financial lives

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Despite the “good economy,” only 28% of Americans are financially healthy

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