Americans are experiencing widespread financial instability

The Reality

78% of Americans are living paycheck to paycheck just to cover bills, rent, and basic living expenses despite the longest period of economic expansion in modern times. Add to that, financial health scores for black and Latinx families are consistently lower than for white households.

In 2019, 37% of Americans said they were unable to cover an unexpected $400 expense without borrowing money or selling a personal item. Taken all together, it makes saving incredibly challenging, especially for many low- to moderate-income households. 

Options for coping are limited. Data from the U.S. Financial Health Pulse shows that overall Americans are savings-constrained, over-indebted and underinsured.

The Reality
Research and Thought Leadership: The Scope and Size of the Savings Problem

Research and Thought Leadership: The Scope and Size of the Savings Problem


Workplace Solutions >


National Savings Trends >


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Savings Interventions >