Annual Overview

Financial Health Pulse® Research 2019

Despite a strong year of economic growth, the financial health of Americans have not changed significantly since the past year. Through analysis of transaction and survey data, these reports and briefs highlight how a majority of Americans continue to struggle financially and remain unprepared for financial shocks.

Financial Health Pulse<sup>®</sup> Research 2019

2019 Key Findings

Couple talking to financial advisor at home

No significant financial health improvement at the national level

The financial health of Americans overall has not changed significantly since 2018, despite another year of strong economic growth.

Making payments the simple way

More confidence, but less savings

Amid historically low unemployment and strong wage growth, Americans are more confident about their debt, but are setting aside less money in short-term savings.

Financial health disparities persist

Financial health gaps among gender, race and ethnicity, and income remain stark.

Close up businessman using calculator and reading paper document about business data, accountancy document, graph profit company.

Individuals experienced swings in financial health

Millions of people saw their financial health change in the last 12 months, often quite dramatically.

2019 Featured Research

Financial Health Pulse

Challenges Threaten the Financial Health of Low- to Moderate-Income 50+ and Require Innovative Solutions

By Andrew Dunn, Senior Associate, Financial Health Network For years, financial planners described the financial lives of individuals over 50 as following a predictable life cycle. The “traditional” path typically included diligently saving in an employer-provided retirement account, paying off a mortgage, then fully retiring while reducing expenses in order to live comfortably. However, this…

Media Mentions

Our Pulse Partners

The Financial Health Pulse® initiative is made possible through generous support from funders, partners, and advisors who share our commitment to improving financial health.

USCDornsife

Meet Our Experts

Interested in connecting with a Pulse author about a media request or speaking engagement? Please reach out to msalmassian@finhealthnetwork.org.

Andrew Dunn

Senior Manager, Data
 

Beth Brockland

Vice President, Client Success
Financial Health Network

Eric Wilson

Associate
 

Necati Celik, Ph.D.

Manager, Research
Financial Health Network

Thea Garon

Senior Director, Research