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Working American Perceptions: Annual Assessment of Financial Well-Being.

Discover the intriguing financial perspectives of working Americans that might just surprise you. Dive into our comprehensive report to gain insights into the sentiments regarding financial security and explore the potential influence that voluntary benefits may have on their outlook.

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Who we surveyed and what we learned

Over the course of a year, we conducted monthly surveys with approximately 1,000 working Americans to closely observe the evolving economic landscape’s impact on their financial perspectives, enrollment experiences, and attitudes toward voluntary benefits. During our surveys, we learned that not all working Americans are alike and that three groups emerged with their own unique sentiments toward financial well-being.

Financially
Challenged

Financially
Stable

Financially
Healthy

Key Findings

Three Key Findings1 - get them all in our full report

A circle image with 54% an orange solid line and the rest a blue dotted line. Blue text over white background saying 54% of working Americans have an emergency fund that can cover a $1,000 unexpected expense. (Text is also repeated below the image.)

Only about half of working Americans have an emergency fund that can cover a $1,000 unexpected expense.

Pictograph of women where 6 are orange, 3 are dark blue and 1 is partially orange. Text beside it says 62% of women feel financially challenged. Below is a pictograph of men where 3 are orange, 6 are blue and 1 is about half-orange. Text beside it says 37% of men feel financially challenged. (Similar text repeats below the image.)

62% of women feel financially challenged, whereas 37% of men feel the same.

A circle image with 63% an orange solid line and the rest a blue dotted line. Blue text over white background saying 63% of working Americans see voluntary benefits as an essential part of financial well-being. (Text is also repeated below the image)

63% of working Americans see voluntary benefits as an essential part of financial well-being.

Transform voluntary benefits offerings

 
Among working Americans, feelings of financial well-being vary greatly — but these perceptions can change. Offering improved voluntary benefits and personalized resources can positively impact employees’ perceptions of financial well-being and foster a more confident workplace.
Graphic representation of our Workforce Financial Score ratings.

Follow monthly changes in sentiments

For timely insights every month, see the Workforce Financial Stability ScoreSM for the latest information on how working American perceptions of financial well-being change month to month.
Learn More

Full Report

Working American Perceptions: Annual Assessment of Financial Well-Being

Want to dig deeper?

Read the full report1 for our complete findings.
Download Report

1Working American Perceptions: Annual Assessment of Financial Well-Being. MassMutual. September 2023

Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.