Who Trusts Financial Institutions?
New Financial Health Pulse® data show that trust in financial institutions is uneven, with substantial racial and ethnic disparities across key dimensions of banking.
2025 Financial Health Pulse® Chicago Trends Report Reveals Cook County Residents See Modest Gains in Financial Health, but Stark Regional Gaps Persist
The new report underscores geographic and demographic differences in financial well-being in the Chicago region.
Financial Health Pulse® 2025 Chicago Trends Report
The 2025 Chicago Trends Report finds that financial vulnerability in Chicago has declined slightly since 2022, signaling resilience amid ongoing economic pressure. This place-based analysis shows that while stark neighborhood disparities persist across wealth, homeownership, and financial stability, targeted solutions can build on pockets of resilience.
The Financial Health and Material Hardships of Rural America
Financial insecurity and healthcare shortages weigh heavily on rural communities, a new Financial Health Pulse® analysis finds.
The Early Adopters: Who’s Using AI for Financial Advice?
AI is already transforming money management, but we have work to do to ensure it truly supports people’s financial decision-making and advances their financial health.
Financial Health Pulse 2025: Financial Health Challenges Persist, Student Debt and Insurance Raise New Alarms
Lower-income, lower-wealth households saw modest gains in savings and debt manageability, while concerns rise over insurance adequacy and impacts from resumed student loan repayment.
Financial Health Pulse® 2025 U.S. Trends Report
Our 2025 report reveals a mixed picture: modest improvements in households’ financial health in the short term and deep disparities over the long term.
Pulse Trends 2025 Charts and Methodologies
Dive deeper into eight years of financial health trends and 2025 financial health disparities with interactive charts.
Pulse Spotlights
Pulse Spotlights offer quick, critical insights into emerging topics like inflation, AI, and natural disasters.
Pulse Points
Pulse Points are short research reports released multiple times a year as part of the Financial Health Pulse research initiative.
Pulse Points: Financial Health Differences Among Entrepreneurs
More people across the U.S. are starting businesses than ever before. What is the relationship between entrepreneurship and financial health?
What’s Holding Back Consumers From Using AI Financial Tools?
Financial institutions face multiple challenges driving customer adoption of AI financial tools.
Pulse Points: Main Gig or Side Hustle? Nontraditional Work and Financial Health
More than 1 in 10 working adults holds a nontraditional job. How is this growing and diverse sector of the American economy faring financially?
Pulse Points: Disparities in Credit Scores and Length of Credit History
How is credit history related to race and ethnicity, and what steps can financial service providers take to address credit health inequities?
Exploring the Link Between Housing and Healthcare Costs and Weather Events
Households that experienced a weather event were also more likely to face a range of unexpected housing- and health-related expenses.
Financial Health Pulse 2024: 70% of Americans Remain Financially Unhealthy as Day-to-Day Financial Health Weakens, Middle Income Households Hit Especially Hard
Latest report on America’s financial health reveals stark contradictions depending on whether a household has credit card debt or investments; middle income households see sharp drop in ability to manage debt.
Financial Health Pulse® 2024 U.S. Trends Report
Some households were more acutely affected by the past year’s economic forces than others, depending on their debts and assets held.
Financial Health Pulse Research 2024
In the seventh edition of the annual U.S. Trends Report, we find that key financial health indicators trended in opposite directions, while overall financial health held steady.
Pulse Points Summer 2024: The Financial Health of Foreign-Born Consumers
How does the financial health of foreign-born consumers compare with those born in the U.S., and how can we set immigrants up for financial success?
Pulse Points Spring 2024: Financial Health Challenges in Banking Deserts
What is the financial health of people in communities that lack banking services, and how can we reduce the number of banking deserts and improve trust?
Strategies To Encourage Credit Score Monitoring Among Young People
A significant portion of young adults don’t regularly check their credit scores, but financial institutions can help turn this trend around.
Even as Inflation Declines, People in the U.S. Seek Ways To Cope
A recent Financial Health Pulse® survey finds half of people in the U.S. are using four or more strategies to cope with inflation, such as relying on charities or food banks.
Financial Health Pulse 2023: Share of Financially Vulnerable Americans Grows to 17% of Population, Climbing to Pre-Pandemic Levels
Largest Pulse data collection finds growing financial health inequities based on race, ethnicity, and age.
Financial Health Pulse® 2023 U.S. Trends Report
After reaching a historic high in 2021, our 2023 U.S. Trends Report finds that the financial health of Americans has declined to pre-pandemic levels.
Financial Health Pulse Research 2023
After reaching a historic high in 2021, our 2023 U.S. Trends Report finds that the financial health of Americans has declined to pre-pandemic levels.
Pulse Points Summer 2023: Weathering Financial Setbacks From Natural Disasters
Severe weather can disrupt financial health, yet fewer than expected Americans living in disaster-prone areas carry residential insurance.
Pulse Points Spring 2023: Bracing for the End of Student Loan Forbearance
New analysis suggests that many borrowers anticipate difficulty restarting payments when forbearance likely ends this summer – but proposed policy changes could help.
Four Out of Five Americans Were Financially Unhealthy at Least Once Over Last Five Years
Novel five-year research uses proprietary Financial Health Pulse data, the nation’s benchmark measurement for finhealth, to provide a unique look at life events, income and other factors that most impact individual financial health over time.
Once Financially Unhealthy, Always Financially Unhealthy?
A five-year analysis of Financial Health Pulse® research shows two critical ways that Americans struggle with financial health.
New Financial Health Data Shows Vast Disparities Across Race and Ethnicity in Chicago
Black Cook County residents are almost twice as likely to be Financially Vulnerable than their counterparts nationally; Latinx residents are nearly one and a half times as likely.
Financial Health Pulse® 2022 Chicago Report
In our first report to focus on the Financial Health Network’s home city, we explore the realities of the financial lives of people in Chicago and neighboring Cook County suburbs.
New Financial Health Pulse Data Shows Correlation Between Cost of Gas and Consumption and the Impact of Price Increases on Financially Unhealthy
Top-line finding shows that as gas prices increased in 2022, overall consumption decreased and that the financially unhealthy often made smaller, more frequent purchases to fill up their tanks.
Pulse Points Fall 2022: Responses to Record-High Gas Prices
As gasoline prices reach all-time peaks, how are Americans adjusting their buying patterns to cope? Analysis of Financial Health Pulse® survey and transactional data suggests that increasing gas costs and consumers’ financial health status may affect how often they refuel and how much they spend per trip to the pump.
2022 Financial Health Pulse: Financial Health Drops for First Time in Five Years of Measurement
New data shows erosion of financial health gains from pandemic, led by significant declines in middle- and upper-income earners, black people and women.