State of Financial Wellbeing: US Workforce Report 2025

The State of Financial Wellbeing is an ongoing, international study of the financial wellbeing of the workforce. Now spanning 8 independent studies and 4 years of data, the program aims to identify blockers and drivers of financial wellbeing — and recommendations for how employers can best support the financial wellbeing of their employees. In our first North American study, we surveyed 5,000 employees and 513 employers across the United States to better understand their perspectives on financial wellbeing. Our findings are stark. Money worries are top of mind for most Americans, yet employers substantially underestimate the extent of this issue.