Family members don’t live in silos, and financial health solutions can’t, either. How can we take a holistic approach to meet every generation’s needs?

As the first generation to rely on 401(k)s nears retirement, large swaths of Americans don’t have enough saved. Was the “do-it-yourself” approach to retirement savings a mistake?

By adopting these four measurement best practices, financial institutions can better understand and improve the impact of their financial solutions.

Each year, employers pour billions into corporate wellness programs with good intentions but shaky outcomes. Is financial health the key to better ROI?

In 2024, consumers spent $12.1 billion on overdraft and NSF fees – approximately 48% more than previously thought.

A new FinHealth Spend Product Spotlight reveals disparities in ownership of these wealth-building tools.

A new FinHealth Spend Spotlight finds many renters don’t hold renters insurance – and those who do still face climate-related risks.

Climate hazards have massive financial impacts on households, especially ones that are already struggling. What do they need to be financially resilient in the face of a changing climate?

After pivotal reforms in 2022, this FinHealth Spend Product Spotlight sheds light on the state of overdraft fees today, how consumers use overdraft, and potential implications for financial institutions and policymakers.

The first brief of our Financial Health Frontiers Initiative takes a deeper look at the evolving financial lives of “middle-class” households and why their financial health depends on a holistic approach.

Learn how three nonprofit-fintech partnerships developed solutions to improve the benefits application process, support renters, and help child care providers.

Americans across all income levels are struggling to save enough for a financially secure retirement. What’s driving retirement insecurity, and how can employers help?

Low- to moderate-income older adults face unique financial challenges. How well are current fintech solutions meeting them?

In this study, we examine the experiences of people managing both financial stress and mental health challenges, uncovering their needs and ways to help.

Financial Health Pulse research has helped shape a new era of financial health solutions. What can it teach us about using data to drive systems change?

For the first time, we explore what's known about the deep relationship between financial and mental health challenges – and what’s left to uncover.

Innovations in fintech are creating new opportunities – and posing new risks – for consumers with invisible, unscorable, or subprime credit.

Overdraft and non-sufficient funds (NSF) fees remain a reality in America’s modern banking system, but the landscape is rapidly evolving. This FinHealth Spend Product Spotlight sheds light on the state of overdraft today, the consumers who use it, and potential implications for financial institutions and policymakers.

Interviews with home care workers reveal how even well-intentioned raises can lead to benefits cliffs that cause workers to lose out on public benefits – putting them in a worse financial position overall.

Drawing on insights from recent pilot projects, this brief discusses ways in which stakeholders across sectors can empower people coming out of prison to access identification and financial services.

Employees across industries are managing a wide range of financial health needs, and they are increasingly looking to their employer for support. As employers consider which financial guidance benefits to offer, they must consider a range of factors – including the makeup of their workforce, how the guidance is delivered, and cost structures – in order to identify the most high-impact solutions for their employees.

In collaboration with legal empowerment fintech Upsolve, we explore how incorporating a digital community into fintech tools can support user financial decision-making and improve customer satisfaction.

As many employees struggle with unmanageable debt, employers can make a difference by providing credit- and debt-related financial wellness solutions. Here are fiscal, legal, and regulatory considerations for businesses to keep in mind as they develop offerings to help employees manage debt, build credit, and improve their financial health.

Savings are a critical component of financial health, and new approaches can encourage consumer savings.

Data-driven understanding of employees’ needs can inform design and delivery of benefits programs that increase equity in employee financial health.

Employers, benefits platforms, regulators, and employees are paying more attention to earned wage access (EWA) products for their potential to improve employee financial health. Employers can maximize the positive outcomes of EWA products by minimizing associated fees, explaining the program mechanics to employees, and providing a complementary suite of financial resources.

In this brief, we leverage findings from a nationally representative survey to better understand the buy now, pay later (BNPL) market, the users who are driving it, and the implications for their financial health.

Consumers spent more money on recreation and eating out during the 2021 holiday season than during the 2020 holiday season, but many remain vulnerable as government relief programs expire and inflation continues. This brief examines the factors that may shape financial health in the early months of 2022.

This research was produced by the Financial Health Network in collaboration with BlackRock’s Emergency Savings Initiative (ESI). ESI is a cross-sector program with a mission to help people living on low to moderate incomes gain access to and increase usage of proven savings strategies and tools – ultimately helping them establish an important safety net.

The Financial Health Network began conducting research in early 2021 to identify strategies employers can use to embed an equity lens into their benefits programs. HR leaders can use these early learnings to design and deliver programs and benefits that reduce financial health gaps among employees. 

This research was produced by the Financial Health Network in collaboration with BlackRock’s Emergency Savings Initiative. ESI is a cross-sector program with a mission to help people living on low to moderate incomes gain access to and increase usage of proven savings strategies and tools – ultimately helping them establish an important safety net.

Family and friends are a major lifeline for justice-involved individuals, providing support and advice from pre-trial to post-release.

Once justice-involved individuals are released from jail or court, they are still not released from their financial obligations to the criminal justice system.

Once justice-involved individuals re-enter society, there are numerous barriers to gain employment that often force them to make difficult decisions.

After a family member or loved one is arrested, their households are forced to juggle financial responsibilities, including staggering bills and missing payments.

Justice-involved individuals and their families face a number of expenses that can create financial strains immediately after arrest, including posting bail and hiring legal representation.

From April 1 to June 30, 2021, Americans balanced saving and new spending opportunities, with minimal changes in earned income.

Key Finding: Low- to moderate-income (LMI) frontline workers are less likely to be Financially Healthy than non-frontline LMI workers.

Since the last Pulse survey in August 2020, more people are struggling to afford healthcare, which may lead to long-term health consequences beyond those created directly by COVID-19.

Emerging 5G technology is expected to become commonplace. Uncover opportunities to leverage 5G to benefit your organization and your members.

Recent regulatory developments have opened opportunities for lenders – particularly banks – to offer small-dollar credit. Data shows that investing in customers’ financial health results in greater long-term loyalty and profitability. In this brief for financial institutions and other lenders, the Financial Health Network offers a series of recommendations for supporting the short and long-term financial wellness of small-dollar credit customers.

The places where people live, work, play, and worship are tightly tied to their ability to be resilient during unexpected challenges and to seize opportunities over time. This brief highlights the role of place in financial health, as well as the opportunity for place-based solutions to improve the financial lives of residents and communities.

This brief takes a closer look at the homeowners and renters insurance coverage, acquisition channels, knowledge, and claims experience of American consumers, with a particular focus on low- to moderate-income (LMI) consumers.

This brief takes a closer look at the auto insurance coverage, acquisition channels, knowledge, and claims experience of American consumers, with a particular focus on LMI consumers.

This brief takes a closer look at the life insurance coverage, acquisition channels, and knowledge of American consumers, with a particular focus on LMI consumers.

To show how disability insurance can augment financial resilience, this brief examines short- and long-term disability insurance coverage, acquisition channels, and knowledge of American consumers, with a focus on LMI consumers.

In our first 2018 edition of Dispatch from D.C., listen in as Jennifer Tescher, the Financial Health Network President and CEO, interviews Jeanne Hogarth, the Financial Health Network’s recently retired VP of Policy.

A business strategy oriented around consumer financial health offers banks, credit unions, lenders, and other providers an avenue for growth, organizational resilience, and profitability.

In 2017, 22 Financial Health Leaders measured the financial health of their customers, clients, or employees. While methodologies and results varied widely, 5 common themes ran across the entire cohort.