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February score GIF

The WFSS sees largest month-to-month increase to date.

Working Americans’ sentiments improved for the month of February, and it’s reflected in the Workforce Financial Stability Score℠ (WFSS) of 55.9. That’s a 1.8 increase over the previous month (54.1) and the largest jump since June.

While we observed positive movement among all the contributing dimensions that factor into the WFSS, one of the strongest levels of confidence noted is working Americans’ likelihood to reach their personal retirement goals. This may be attributed to the optimistic financial outlook and the strength of the stock market at the time of the survey. Another facet that continues to rise is one’s ability to manage expenses between paychecks despite increasing costs. This could be indicative of a shift in working Americans’ spending habits.

The findings behind the score.

Has perceived financial well-being moved up or down for working Americans? Here's how February compares to January — based on a scale of 0 to 100. 

February Score

Dive into the methodology.

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 with a household income of $40,000 to less than $150,000, and assets less than $300,000.

View Previous Months' Scores.

Webinar: Six benefits trends you need to know for 2023

 Watch our recent 30-minute webinar with LIMRA as we learn what’s on the mind of working Americans and the implications for the benefits landscape for this year.

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