Half of Americans Feel Financially Adrift Amid Economic Uncertainty
The 2025 Financial Literacy and Preparedness Survey by the National Foundation for Credit Counseling and The Harris Poll reveals widespread financial anxiety among Americans. 53% of adults feel setbacks despite efforts to get ahead financially, while 48% report treading water financially.
Key findings show that 63% of Americans worry about government partisanship affecting their finances, and 57% believe economic uncertainty makes achieving long-term financial goals impossible. While 65% rate their financial decision-making abilities highly, only 56% feel confident about their current financial state.
Notably, just 5% of Americans facing debt-related problems would seek help from nonprofit credit counseling agencies. The survey, funded by Wells Fargo Foundation, emphasizes the need for professional financial guidance during uncertain economic times.
Il Survey sulla Alfabetizzazione Finanziaria e Preparazione 2025 condotto dalla National Foundation for Credit Counseling e The Harris Poll evidenzia una diffusa ansia finanziaria tra gli americani. Il 53% degli adulti percepisce difficoltà nonostante gli sforzi per migliorare la propria situazione economica, mentre il 48% dichiara di essere in una situazione di stallo finanziario.
I risultati principali mostrano che il 63% degli americani teme che il partigianismo governativo influenzi le proprie finanze, e il 57% ritiene che l'incertezza economica renda impossibile raggiungere obiettivi finanziari a lungo termine. Sebbene il 65% valuti positivamente le proprie capacità di prendere decisioni finanziarie, solo il 56% si sente sicuro riguardo alla propria situazione economica attuale.
È importante notare che solo il 5% degli americani con problemi legati al debito si rivolgerebbe a organizzazioni non profit di consulenza creditizia. L'indagine, finanziata dalla Wells Fargo Foundation, sottolinea l'importanza di un supporto finanziario professionale in tempi economici incerti.
La Encuesta de Alfabetización Financiera y Preparación 2025 realizada por la National Foundation for Credit Counseling y The Harris Poll revela una amplia ansiedad financiera entre los estadounidenses. El 53% de los adultos siente retrocesos a pesar de sus esfuerzos por avanzar financieramente, mientras que el 48% reporta estar estancado financieramente.
Los hallazgos clave muestran que el 63% de los estadounidenses se preocupa por el partidismo gubernamental que afecta sus finanzas, y el 57% cree que la incertidumbre económica hace imposible alcanzar metas financieras a largo plazo. Aunque el 65% califica altamente sus habilidades para tomar decisiones financieras, solo el 56% se siente confiado acerca de su estado financiero actual.
Es notable que solo el 5% de los estadounidenses con problemas relacionados con deudas buscaría ayuda en agencias sin fines de lucro de asesoría crediticia. La encuesta, financiada por Wells Fargo Foundation, enfatiza la necesidad de una orientación financiera profesional durante tiempos económicos inciertos.
국립 신용 상담 재단과 해리스 폴이 실시한 2025년 금융 문해력 및 준비도 조사는 미국인들 사이에 광범위한 금융 불안을 드러냅니다. 성인의 53%가 재정적 진전을 위해 노력함에도 불구하고 좌절을 느끼며, 48%는 재정적으로 제자리걸음 중이라고 보고합니다.
주요 결과에 따르면 63%의 미국인이 정부의 당파성이 자신의 재정에 영향을 미칠까 걱정하며, 57%는 경제적 불확실성으로 인해 장기 재정 목표 달성이 불가능하다고 믿고 있습니다. 65%는 자신의 재정 의사결정 능력을 높게 평가하지만, 현재 재정 상태에 대해 자신감을 느끼는 사람은 56%에 불과합니다.
특히, 부채 문제를 겪고 있는 미국인 중 단지 5%만이 비영리 신용 상담 기관에 도움을 요청할 것입니다. 웰스파고 재단이 후원한 이번 조사는 불확실한 경제 상황에서 전문적인 금융 상담의 필요성을 강조합니다.
L'Enquête sur la littératie financière et la préparation 2025 menée par la National Foundation for Credit Counseling et The Harris Poll révèle une anxiété financière généralisée chez les Américains. 53% des adultes ressentent des revers malgré leurs efforts pour progresser financièrement, tandis que 48% déclarent stagner financièrement.
Les résultats clés montrent que 63% des Américains craignent que le partisanisme gouvernemental affecte leurs finances, et 57% estiment que l'incertitude économique rend impossible l'atteinte d'objectifs financiers à long terme. Bien que 65% évaluent positivement leurs capacités à prendre des décisions financières, seuls 56% se sentent confiants quant à leur situation financière actuelle.
Il est notable que seulement 5% des Américains confrontés à des problèmes liés à la dette chercheraient de l'aide auprès d'agences de conseil en crédit à but non lucratif. L'enquête, financée par la Wells Fargo Foundation, souligne la nécessité d'un accompagnement financier professionnel en période d'incertitude économique.
Die Finanzkompetenz- und Vorbereitungserhebung 2025 der National Foundation for Credit Counseling und The Harris Poll zeigt eine weitverbreitete finanzielle Angst unter Amerikanern. 53% der Erwachsenen fühlen sich trotz Bemühungen, finanziell voranzukommen, zurückgeworfen, während 48% berichten, finanziell auf der Stelle zu treten.
Wichtige Erkenntnisse zeigen, dass 63% der Amerikaner befürchten, dass parteiische Regierungsentscheidungen ihre Finanzen beeinflussen, und 57% glauben, dass wirtschaftliche Unsicherheit das Erreichen langfristiger finanzieller Ziele unmöglich macht. Während 65% ihre Fähigkeiten zur finanziellen Entscheidungsfindung hoch einschätzen, fühlen sich nur 56% zuversichtlich bezüglich ihres aktuellen finanziellen Zustands.
Bemerkenswert ist, dass nur 5% der Amerikaner mit schuldenbezogenen Problemen Hilfe bei gemeinnützigen Kreditberatungsstellen suchen würden. Die von der Wells Fargo Foundation finanzierte Umfrage betont die Notwendigkeit professioneller finanzieller Beratung in unsicheren wirtschaftlichen Zeiten.
- NFCC maintains 15+ year partnership with The Harris Poll, showing institutional stability
- Wells Fargo Foundation funding support demonstrates strong corporate backing
- Large addressable market with 13.1M adults potentially needing credit counseling services
- Only 5% of Americans with financial problems would seek NFCC's services, indicating low market penetration
- 53% of potential customers report financial setbacks, suggesting limited ability to pay for services
- 48% of adults live paycheck-to-paycheck, indicating high risk of default for credit counseling services
- 57% report difficulty in managing/paying debt, which could impact service success rates
New NFCC survey shows many feel 'set back' or 'treading water' despite efforts
Amid widespread concerns about the economic landscape, the survey found that about half of
This sentiment is strongly linked to broader anxieties. A striking
This environment of uncertainty appears to overshadow consumers' confidence in their own abilities. While
"Feeling financially stressed isn't a personal failing," said NFCC CEO Mike Croxson. "As the survey makes clear, it's often a reflection of the deep uncertainty consumers face today. Good intentions aren't enough when the economic ground feels unstable. That's why the steady, expert support from NFCC Certified Credit Counselors can make such a meaningful difference for people in these uncertain times."
"At Wells Fargo we're committed to helping individuals and families strengthen their financial future," said Bonnie Wallace, head of financial health philanthropy at Wells Fargo. "We're proud to work with NFCC to expand access to financial health coaching and resources to help people build financial security."
While millions face these pressures, the survey reveals a concerning gap among those seeking professional help. Only
Don't navigate financial challenges alone. Time is not on your side if you are feeling overwhelmed by debt or financial uncertainty. Reach out to the NFCC for confidential counseling and proven solutions. Visit nfcc.org or call 800-388-2227 today.
The 2025 Financial Literacy and Preparedness Survey marks over 15 years of collaboration between the NFCC and The Harris Poll to measure the financial behaviors and attitudes of Americans.
Survey Methodology
The 2025 Financial Literacy and Preparedness Survey was conducted online within
About NFCC
Founded in 1951, the National Foundation for Credit Counseling (NFCC) is the oldest nonprofit dedicated to improving people's financial well-being. With a nationwide network of NFCC Certified Credit Counselors serving 50 states and all
About The Harris Poll
The Harris Poll is a global public opinion, analytics, and market research consultancy that strives to reveal society's authentic values to inspire leaders to create a better tomorrow. With a global research reach of more than ninety countries, Harris offers advisory services across sectors to world leaders, CEOs, and business decision-makers with state-of-the-art analytics, real-time software services, and practitioners in marketing, reputation, customer experience, trends, futures, and thought leadership/research-for-public release, The Harris Poll translates shifting social sentiment into a competitive marketplace advantage. Harris is a Stagwell (NASDAQ: STGW) company. www.theharrispoll.com.
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SOURCE National Foundation For Credit Counseling
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