Are You Financially 'Healthy'? Two-Thirds Of Americans Aren't — Here's How To Know If You're The Exception

Core Insights - Only about one in three U.S. households is considered Financially Healthy, with approximately 67% labeled as Financially Unhealthy, indicating a significant portion of the population is struggling financially [1][3]. Group 1: Financial Health Overview - The 2025 U.S. Financial Health Pulse Trends Report indicates that financial health in America remains stagnant, with more than two-thirds of households still classified as Financially Unhealthy [2][3]. - To be deemed Financially Healthy, households must meet specific criteria, yet only 31% achieved this status in 2025, unchanged from 2022, suggesting that post-pandemic recovery has not led to substantial financial stability [4][5]. Group 2: Financial Status Breakdown - Among U.S. households, 54% are categorized as Financially Coping, managing basic expenses but lacking a financial cushion, while 15% are Financially Vulnerable, often behind on bills or in significant debt [5]. - The financial mobility of households is fragile, with about 31 million households shifting between financial health tiers from 2024 to 2025, indicating that for every family that improves, another falls back [5]. Group 3: Savings and Spending Trends - A positive trend in 2025 is observed in savings, with 49% of households spending less than they earn, an increase of two percentage points from the previous year, while only 23% reported spending more [7]. - This improvement in savings is attributed to cooling inflation, which decreased to 2.3%, and wages rising slightly faster than prices [7].