Core Insights - Nearly half (49%) of U.S. adults reported being worse off financially in 2025, primarily due to unexpected expenses [1] - Economic challenges such as high inflation, tariff policies, a prolonged government shutdown, and rising unemployment have significantly impacted household finances [1] - Two-thirds (67%) of respondents indicated that economic conditions affected their spending habits [1] Regrets and Action Steps - The top regret among Americans in 2025 was not saving enough money, with nearly four in ten (38%) expressing this sentiment [4] - More than one in four (28%) Americans regretted making impulse purchases driven by emotions [6] 2026 Action Steps for Saving Money - Build a budget to identify available savings [8] - Set up automatic transfers from checking to savings accounts after each paycheck [8] - Start small with savings, even $25 per paycheck can accumulate to $650 annually for biweekly earners [8] 2026 Action Steps for Reducing Impulse Purchases - Implement a 24-hour cooling-off period before making non-essential purchases over $50 [9] - Track impulsive buying patterns to understand triggers [9] - Use cash for discretionary spending to limit overspending [9]

Core Insights - United Parcel Service (UPS) is facing significant challenges due to high labor costs and a decline in parcel volumes, impacting its bottom line [1][2] - The company is implementing cost-cutting measures, including offering buyouts to full-time delivery drivers for the first time in its history [2][11] Cost-Cutting Measures - UPS plans to reduce its workforce by 20,000, which is about 4% of its global workforce, and close 73 facilities to streamline operations [3][11] - Compensation and benefits expenses increased by 2.1% year-over-year in 2024, but are expected to decrease by 2.6% in 2025 [3] Impact of Customer Relationships - UPS has decided to reduce business with its largest customer, Amazon, by more than 50% by June 2026, as Amazon was not considered a profitable customer [4][11] Industry Context - FedEx, a competitor, is also cutting costs, including laying off over 480 employees and implementing initiatives like DRIVE, which is expected to yield significant savings [5][6] - UPS shares have declined over 24% in the past year, underperforming its industry [9] Valuation and Earnings Estimates - UPS trades at a 12-month forward price-to-earnings ratio of 13.91X, which is considered expensive compared to industrial levels [10] - The Zacks Consensus Estimate for UPS' earnings for 2025 and 2026 has been revised downward over the past 30 days [13]