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Nearly Half of Americans Fear Falling Behind Financially by 2025: Poll

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  Published in Business and Finance on Thursday, January 1st 2026 at 20:09 GMT by Fox Business

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Anxiety Rises: Nearly Half of Americans Fear Falling Behind Financially by 2025, Poll Reveals

A recent poll conducted by Qualtrics reveals a growing sense of financial anxiety gripping the American populace, with nearly half (48%) expressing concern that they’ll be financially behind in 2025. This sentiment highlights a deepening unease about economic stability and future prospects amidst persistent inflation, rising interest rates, and ongoing uncertainty surrounding the broader economy. The poll, detailed by Fox Business, paints a picture of widespread apprehension, particularly among younger generations and those with lower incomes.

The Qualtrics survey, which questioned over 1,000 U.S. adults in late October 2023, delved into perceptions about personal financial well-being and future security. The headline finding – that almost half of respondents fear falling behind financially by 2025 – is significant, reflecting a broader trend of economic pessimism observed across various demographic groups. While the year 2025 might seem distant, it represents a timeframe within which many Americans are projecting their financial trajectory, considering factors like retirement savings, homeownership goals, and general stability for themselves and their families.

Driving Forces Behind the Anxiety:

Several key factors contribute to this pervasive feeling of being financially behind. Inflation, despite having cooled from its peak in 2022, remains stubbornly above the Federal Reserve's target rate of 2%. While consumer price index (CPI) data shows a slowdown, everyday expenses—food, housing, transportation—continue to strain household budgets. The cumulative effect of these pressures over the past few years has eroded purchasing power and left many feeling like they are perpetually playing catch-up. As Fox Business notes, “Grocery prices remain elevated compared to pre-pandemic levels.”

Interest rates, aggressively raised by the Federal Reserve in an attempt to combat inflation, also play a crucial role. Higher interest rates make borrowing more expensive, impacting everything from mortgages and auto loans to credit card debt. This increased cost of borrowing further squeezes household finances and makes it harder for individuals to achieve their financial goals. The article references comments made by Qualtrics Chief Customer Officer Orlando Rios, who stated that the survey results reflect a “heightened awareness” of these economic realities among consumers.

Generational and Income-Based Disparities:

The poll’s findings reveal significant disparities across different demographics. Younger generations – Millennials (born 1981-1996) and Gen Z (born 1997-2012) – expressed the highest levels of concern about falling behind financially. This isn't entirely surprising, given that these groups are often burdened with student loan debt, entering the workforce during periods of economic instability, and facing a competitive housing market where homeownership feels increasingly out of reach. The rising cost of education has created a significant financial hurdle for many young adults, delaying or preventing them from building wealth.

Income also plays a crucial role. Individuals earning less than $50,000 annually were significantly more likely to express concern about their future finances compared to those with higher incomes. This underscores the disproportionate impact of economic challenges on lower-income households, who have less margin for error when faced with unexpected expenses or financial setbacks. The Fox Business article highlights that these anxieties are prompting many Americans to re-evaluate spending habits and prioritize essential needs over discretionary purchases.

Impact on Spending Habits & Financial Decisions:

This widespread anxiety is visibly impacting consumer behavior. The Qualtrics poll found that 68% of respondents have already altered their spending habits in response to economic pressures. Many are cutting back on non-essential items, delaying major purchases, and actively seeking ways to save money. This shift in consumer sentiment has implications for businesses across various sectors, as demand for certain goods and services declines.

Furthermore, the survey suggests that these anxieties are influencing financial decision-making. Some respondents are exploring alternative income streams, investing more cautiously (or withdrawing investments altogether), and prioritizing debt repayment. The article mentions a growing interest in side hustles and freelance work, reflecting a desire to supplement income and gain greater control over one's financial future.

Looking Ahead:

The poll’s findings serve as a stark reminder of the ongoing economic challenges facing American families. While inflation has shown signs of moderation, the lingering effects of past price increases and high interest rates continue to weigh on household budgets. The 2025 timeframe represents more than just a date; it's a marker against which Americans are measuring their progress towards financial security.

Qualtrics’ Rios emphasizes that businesses need to be attuned to these anxieties and adapt their strategies accordingly. Providing value, transparency, and flexible payment options can help build trust with consumers who are increasingly cautious about spending. Ultimately, addressing the underlying economic concerns – inflation, affordability, and income inequality – will require a concerted effort from policymakers, businesses, and individuals alike. The poll’s results offer valuable insight into the current state of consumer sentiment and highlight the need for continued vigilance and proactive solutions to ensure a more financially secure future for all Americans.

You can find the original article here: [ https://www.foxbusiness.com/media/nearly-half-americans-feel-financially-behind-2025-comes-close-poll-shows ]