Santander US Survey Finds Middle-Income Consumers Bullish on Economy, Expect Their Finances to Improve This Year
Santander US's latest survey reveals significant optimism among middle-income consumers regarding the economy and their financial outlook for 2025. Recession expectations dropped 17 percentage points year-over-year, with 64% of middle-income households anticipating a stronger job market and 60% expecting improved inflation conditions.
The survey highlights that 76% of middle-income households expect their financial situations to improve in 2025, with 95% planning proactive financial improvements, including debt reduction (45%) and increased savings or investments (44%). Despite inflation remaining the primary financial challenge, 85% of respondents took action to manage it, with 53% reducing retail spending.
Notable findings include shifting perspectives on homeownership, with only 29% viewing it as essential for financial prosperity. Among recent homebuyers, 73% have made spending cuts to manage costs. The survey also reveals strong vehicle demand, with 45% considering a purchase in 2025, and 81% viewing vehicle access as important for lifestyle flexibility.
L'ultima indagine di Santander US rivela un significativo ottimismo tra i consumatori a medio reddito riguardo all'economia e alle loro prospettive finanziarie per il 2025. Le aspettative di recessione sono diminuite di 17 punti percentuali rispetto all'anno precedente, con il 64% delle famiglie a medio reddito che prevede un mercato del lavoro più forte e il 60% che si aspetta condizioni inflazionistiche migliorate.
L'indagine evidenzia che il 76% delle famiglie a medio reddito si aspetta un miglioramento della propria situazione finanziaria nel 2025, con il 95% che pianifica miglioramenti finanziari proattivi, inclusa la riduzione del debito (45%) e un aumento dei risparmi o degli investimenti (44%). Nonostante l'inflazione rimanga la principale sfida finanziaria, l'85% degli intervistati ha agito per gestirla, con il 53% che ha ridotto le spese al dettaglio.
Tra i risultati notevoli ci sono cambiamenti di prospettiva sulla proprietà di abitazioni, con solo il 29% che la considera essenziale per la prosperità finanziaria. Tra i recenti acquirenti di case, il 73% ha effettuato tagli alle spese per gestire i costi. L'indagine rivela anche una forte domanda di veicoli, con il 45% che considera un acquisto nel 2025, e l'81% che vede l'accesso ai veicoli come importante per la flessibilità dello stile di vita.
La última encuesta de Santander US revela un optimismo significativo entre los consumidores de ingresos medios respecto a la economía y sus perspectivas financieras para 2025. Las expectativas de recesión cayeron 17 puntos porcentuales interanualmente, con un 64% de los hogares de ingresos medios anticipando un mercado laboral más fuerte y un 60% esperando condiciones de inflación mejoradas.
La encuesta destaca que el 76% de los hogares de ingresos medios espera mejorar su situación financiera en 2025, con un 95% planeando mejoras financieras proactivas, incluyendo la reducción de deudas (45%) y un aumento en ahorros o inversiones (44%). A pesar de que la inflación sigue siendo el principal desafío financiero, el 85% de los encuestados tomó medidas para gestionarla, con un 53% reduciendo el gasto minorista.
Entre los hallazgos destacados se incluyen cambios en las perspectivas sobre la propiedad de viviendas, ya que solo el 29% la considera esencial para la prosperidad financiera. Entre los compradores recientes de viviendas, el 73% ha realizado recortes de gastos para manejar costos. La encuesta también revela una fuerte demanda de vehículos, con el 45% considerando una compra en 2025, y el 81% considera que el acceso al vehículo es importante para la flexibilidad del estilo de vida.
산탄데르 미국의 최신 조사에 따르면 중간 소득 소비자들이 2025년 경제 전망 및 재정 전망에 대해 상당한 낙관을 보이고 있습니다. 불황 예상은 전년 대비 17퍼센트포인트 감소했습니다, 중간 소득 가구의 64%가 더 강한 노동 시장을 예상하고 60%가 인플레이션 조건의 개선을 기대하고 있습니다.
조사에 따르면 76%의 중간 소득 가구가 2025년에 재정 상황이 개선될 것으로 예상하고 있습니다, 95%는 부채 감소(45%)와 저축 또는 투자 증가(44%)를 포함한 적극적인 재정 개선을 계획하고 있습니다. 인플레이션이 주요 재정적 도전 과제로 남아 있지만, 응답자의 85%가 이를 관리하기 위한 조치를 취했으며, 53%는 소매 지출을 줄였습니다.
주목할 만한 발견은 주택 소유에 대한 관점 변화로, 단지 29%만이 재정적 번영을 위해 필수적이라고 여깁니다. 최근 주택 구매자의 73%가 비용 관리를 위해 지출을 줄였습니다. 조사에서는 2025년에 차량 구매를 고려하는 비율이 45%이며, 81%는 차량 접근이 라이프스타일의 유연성에 중요하다고 생각하는 것으로 나타났습니다.
La dernière enquête de Santander US révèle un optimisme significatif parmi les consommateurs à revenu moyen concernant l'économie et leurs perspectives financières pour 2025. Les attentes de récession ont chuté de 17 points de pourcentage d'une année sur l'autre, 64 % des ménages à revenu moyen anticipant un marché du travail plus solide et 60 % attendant des conditions d'inflation améliorées.
L'enquête met en lumière que 76 % des ménages à revenu moyen s'attendent à une amélioration de leur situation financière en 2025, avec 95 % prévoyant des améliorations financières proactives, y compris la réduction des dettes (45 %) et l'augmentation des économies ou des investissements (44 %). Malgré le fait que l'inflation reste le principal défi financier, 85 % des répondants ont pris des mesures pour la gérer, 53 % réduisant leurs dépenses de détail.
Parmi les résultats notables, on observe un changement de perspective sur la propriété immobilière, seulement 29 % la considérant comme essentielle pour la prospérité financière. Parmi les récents acheteurs de logements, 73 % ont réduit leurs dépenses pour gérer les coûts. L'enquête révèle également une forte demande de véhicules, avec 45 % envisageant un achat en 2025, et 81 % considérant l'accès au véhicule comme important pour la flexibilité de leur mode de vie.
Die neueste Umfrage von Santander US zeigt erhebliche Optimismus unter durchschnittlichen Einkommensverbrauchern hinsichtlich der Wirtschaft und ihrer finanziellen Aussichten für 2025. Die Rezessionserwartungen sind um 17 Prozentpunkte gesunken im Jahresvergleich, wobei 64 % der Haushalte mit mittlerem Einkommen einen stärkeren Arbeitsmarkt erwarten und 60 % verbesserte Inflationsbedingungen voraussagen.
Die Umfrage hebt hervor, dass 76 % der Haushalte mit mittlerem Einkommen erwarten, dass sich ihre finanzielle Situation 2025 verbessern wird, wobei 95 % proaktive finanzielle Verbesserungen planen, einschließlich der Schuldenreduktion (45 %) und einer Erhöhung der Ersparnisse oder Investitionen (44 %). Trotz der Tatsache, dass Inflation die größte finanzielle Herausforderung bleibt, haben 85 % der Befragten Maßnahmen ergriffen, um damit umzugehen, wobei 53 % ihre Einzelhandelsausgaben reduziert haben.
Bemerkenswerte Erkenntnisse beinhalten einen Wandel in den Perspektiven des Wohneigentums, wobei nur 29 % es als unerlässlich für finanziellen Wohlstand betrachten. Unter den neueren Hauskäufern haben 73 % Ausgaben gekürzt, um Kosten zu managen. Die Umfrage zeigt auch eine starke Nachfrage nach Fahrzeugen, wobei 45 % einen Kauf im Jahr 2025 in Betracht ziehen und 81 % den Zugang zu Fahrzeugen als wichtig für die Flexibilität im Lebensstil ansehen.
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Expectations of a
U.S. recession plummet 17 percentage points year over year and 12 percentage points since last quarter. -
Q4 survey found that
76% of households are optimistic their financial situation will be better this year. - Cost of homeownership seen as a burden, as middle-income households embrace alternatives.
- Pent-up auto demand remains, as 1 in 3 middle-income consumers plan vehicle purchases in 2025.
(Graphic: Business Wire)
“The consumer enters 2025 increasingly optimistic with a sharp rise in confidence in the economy, supported by expectations for a stronger job market and lower inflation,” said Tim Wennes, CEO of Santander US. “Our research has shown a resilient consumer over the past few years, as households make necessary tradeoffs and prudent financial decisions to navigate financial pressures. As optimism spreads among households, we hope to see this translate into prolonged economic growth and improved consumer outcomes.”
While displaying great resilience, inflation has and continues to be the #1 obstacle to financial prosperity. In fact, most (
The Q4 Santander US study, which builds upon previous research, assessed middle-income Americans’ current financial state and future aspirations, with a focus on how current economic conditions have impacted their households. It also explored their financial relationships with previously identified drivers of prosperity.
The Shifting Relationship Between Homeownership and Prosperity
Homeownership affordability is the #1 reason middle-income Americans do not own a home, and less than 3 in 10 (
Pent-Up Demand for Vehicles Continues
Access to a vehicle remains essential to financial prosperity, with
This research on financial prosperity, conducted by Morning Consult on behalf of Santander US, surveyed 2,213 Americans who are bank and/or financial services customers, ages 18-76. Survey participants are employed or looking for work, own/use at least one financial product and are the primary or shared decision-maker on household finances with household income in the “middle-income” range of
The full report and more information about the Santander US survey is available here.
About Santander US
Santander Holdings
Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. © 2025 Santander Bank, N.A. All rights reserved. Santander, Santander Bank, and the Flame Logo are trademarks of Banco Santander, S.A. or its subsidiaries in
View source version on businesswire.com: https://www.businesswire.com/news/home/20250123808019/en/
Media Contact:
Andrew Simonelli
andrew.simonelli@santander.us
Caroline Connolly
caroline.connolly@santander.us
Source: Santander Holdings
FAQ
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