Current Month: August 2026
Workforce Financial Stability Score (WFSS) falls to record low level
The WFSS decreased by 4.5 points in August, matching the historic low recorded in November 2022. All dimensions fell, and three saw their lowest scores to date for working Americans: managing expenses between paychecks, ability to withstand unexpected expenses, and ability to help others financially. Year over year, the WFSS decreased 5.1 points, with all dimensions down as well from August 2025.
The findings behind the score.
New Q1 Report: Optimism tomorrow, reality today
The beginning of the year saw another rise in the Workforce Financial Stability Score (WFSS), reflecting more optimism among working Americans around their future financial well-being. The reality today, however, reveals continued difficulties in managing day-to-day expenses.
* The MassMutual Workforce Financial Stability Score measures the changing attitudes and financial outlook of working Americans. Commissioned by MassMutual, the research began in June 2022 and is conducted online, monthly, among a nationally representative sample of 1,000 U.S. middle-market employees. For purposes of this research, MassMutual defines working Americans and middle-market employees as those between ages 22 and 67, working at firms with at least 25 benefit-eligible employees, with a household income of $40,000 to less than $150,000, and assets less than $300,000.
Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.