{"id":847835,"date":"2025-05-07T05:09:09","date_gmt":"2025-05-07T09:09:09","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/discover-survey-americans-seek-to-improve-their-financial-lives-amid-uncertainty\/"},"modified":"2025-05-07T05:09:09","modified_gmt":"2025-05-07T09:09:09","slug":"discover-survey-americans-seek-to-improve-their-financial-lives-amid-uncertainty","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/discover-survey-americans-seek-to-improve-their-financial-lives-amid-uncertainty\/","title":{"rendered":"Discover Survey: Americans Seek to Improve Their Financial Lives Amid Uncertainty"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }\n.bwalignl { text-align: left }\n.bwblockalignl { margin-left: 0px; margin-right: auto }\n.bwcellpmargin { margin-bottom: 0px; margin-top: 0px }\n.bwleftsingle { border-left: solid black 1pt }\n.bwlistdisc { list-style-type: disc }\n.bwpadb3 { padding-bottom: 4px }\n.bwpadl0 { padding-left: 0px }\n.bwpadl3 { padding-left: 15px }\n.bwpadr0 { padding-right: 0px }\n.bwrightsingle { border-right: solid black 1pt }\n.bwrowaltcolor0 { background-color: #cceeff }\n.bwsinglebottom { border-bottom: solid black 1pt }\n.bwtablemarginb { margin-bottom: 10px }\n.bwtopsingle { border-top: solid black 1pt }\n.bwvertalignb { vertical-align: bottom }\n.bwvertalignt { vertical-align: top }\n.bwwidth100 { width: 100% }\n.bwwidth20 { width: 20% }\n.bwwidth25 { width: 25% }\n.bwwidth50 { width: 50% }\n.bwwidth80 { width: 80% }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>Discover Survey: Americans Seek to Improve Their Financial Lives Amid Uncertainty<\/b><\/p>\n<p class=\"bwalignc\"><i>Two-thirds of Americans are experiencing moderate to high financial stress, and half aren\u2019t financially prepared for the unexpected<\/i><\/p>\n<p>RIVERWOODS, Ill.&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nMore than four in five Americans (84%) are interested in improving their financial situation, but two in five (41%) are unsure about how to best manage their personal finances, according to a new national survey conducted by Discover<sup>\u00ae <\/sup>Personal Loans. Many Americans believe their financial situation will stay the same (41%) or get better (38%) in the year ahead, but 20% expect their financial situation to be worse off.\n<\/p>\n<p id=\"news-body-cta\">This press release features multimedia. View the full release here: <a href=\"https:\/\/www.businesswire.com\/news\/home\/20250507531079\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20250507531079\/en\/<\/a><\/p>\n<div id=\"bwbodyimg\" style=\"width: 480px;float:left;padding-left:0px;padding-right:20px;padding-top:0px;padding-bottom:0px\"><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20250507531079\/en\/2461127\/4\/DPL_2025_Survey_Graphic_-_FINAL_for_press_release.jpg\" alt=\"Americans seek to improve their financial lives amid uncertainty.\" \/><\/p>\n<p style=\"font-size:85%\">Americans seek to improve their financial lives amid uncertainty.<\/p>\n<\/div>\n<p>\n\u201cI\u2019m inspired that Americans are motivated to seek a brighter financial future, and that many are making or searching for a game plan to achieve their financial goals,\u201d said Dan Nickele, vice president, Discover Personal Loans. \u201cAmerican consumers also told us they anticipate costs to rise in categories like groceries and healthcare. Weathering the storm requires a strong financial foundation which can include taking actions like creating a budget, contributing to an emergency fund, and exploring opportunities to refinance high-interest debt.\u201d\n<\/p>\n<p><b>Americans brace for rising costs and debt challenges in 2025<\/b><\/p>\n<p>\nAmericans anticipate inflation will increase their costs in many key categories in 2025:\n<\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwpadl3 bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><span class=\"bwinvisible\">Spending category<\/span><\/p>\n<\/td>\n<td class=\"bwtopsingle bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl3 bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><span class=\"bwinvisible\">% of Americans that expect the category to be among their top 5, for spending the most money in 2025*<\/span><\/p>\n<\/td>\n<td class=\"bwtopsingle bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl3 bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><span class=\"bwinvisible\">% of Americans that believe their costs will increase \u2021<\/span><\/p>\n<\/td>\n<td class=\"bwtopsingle bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl3 bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><span class=\"bwinvisible\">% of Americans that believe their costs will increase dramatically or significantly (6% to more than 10%) \u2021<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nGroceries\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n70%\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n67%\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n45%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nHousing\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n49%\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n54%\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n30%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nHealthcare \/ Medical Expenses\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n30%\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n67%\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n39%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nDebt repayment\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n29%\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n50%\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n27%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nTransportation\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n26%\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n53%\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth25\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n29%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwpadl0 bwpadr0 bwvertalignt\" colspan=\"4\" rowspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"4\" class=\"bwpadl0\" rowspan=\"1\">\n<p class=\"bwcellpmargin\">\n* \u201cIn which categories do you think you\u2019ll spend the most money on in 2025? Please select up to 5.\u201d Survey respondents chose up to five top spending categories from among 14 categories presented as answer options.\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwpadl0 bwpadr0 bwvertalignt\" colspan=\"4\" rowspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"4\" class=\"bwpadl0\" rowspan=\"1\">\n<p class=\"bwcellpmargin\">\n\u2021 Subset: \u201cCompared to the last 12 months, how much more or less do you anticipate your top spending categories will cost over the next 12 months?\u201d Data shown in table represents the percentage of Americans who believe their costs will increase over the next 12 months, from among those who chose the respective spending category as among their top 5 for spending the most money in 2025.\n<\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p>\nFurthermore, nearly half (44%) of Americans say they\u2019re currently in debt. Of those in debt:\n<\/p>\n<ul class=\"bwlistdisc\">\n<li>\n84% say inflation makes managing personal debt challenging.\n<\/li>\n<li>\n83% say a budget is a helpful tool for managing personal debt, but only 44% say they created a budget for 2025.\n<\/li>\n<li>\n77% say paying off personal debt is expensive.\n<\/li>\n<li>\n70% are not financially prepared for unexpected expenses over $2,500.\n<\/li>\n<li>\n58% feel they will never get out of debt.\n<\/li>\n<li>\n52% lose sleep over personal debt.\n<\/li>\n<li>\n48% aren\u2019t confident they\u2019ll get their debt paid off within the next year.\n<\/li>\n<li>\n48% say their personal debt is unmanageable \u2013 including credit card debt (70%), medical debt (38%), and money owed to family\/friendly (25%).\n<\/li>\n<li>\n33% report a significant amount of debt.\n<\/li>\n<li>\n37% avoid looking at the amount of money in their bank account.\n<\/li>\n<\/ul>\n<p><b>Inflation and routine expenditures are top sources of financial stress<\/b><\/p>\n<p>\nWhen asked to think about the current state of the economy, survey respondents were split on the overall direction they believe the U.S. is moving: 48% say we\u2019re heading in the wrong direction, 31% say in the right direction and 15% say neither. Economic uncertainty may be impacting financial stress, as 86% of Americans have some level of concern about their personal financial situation with two-thirds (66%) experiencing high or moderate anxiety. Financial stress has remained consistently high over the past five years:\n<\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwpadl0 bwwidth50\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><span class=\"bwinvisible\">Year<\/span><\/p>\n<\/td>\n<td class=\"bwtopsingle bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl0 bwwidth50\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><span class=\"bwinvisible\">Feel at least occasional concerns (2025) \/<\/span><\/p>\n<p class=\"bwalignc bwcellpmargin\"><span class=\"bwinvisible\">Feel some level of anxiety (2021-2024) **<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n2025\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n86%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n2024\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n80%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n2023\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n76%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n2022\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n80%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n2021\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n71%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" class=\"bwpadl0 bwpadr0 bwvertalignt\" rowspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwpadl0\" colspan=\"2\" rowspan=\"1\">\n<p class=\"bwcellpmargin\">\n** About the 2024 survey: The national survey of 1,500 U.S. residents ages 18 and up was commissioned by Discover and conducted by Dynata (formerly Research Now\/SSI), an independent survey research firm. The survey was fielded from April 16 through April 23, 2024. The maximum margin of sampling error was +\/-3 percentage points with a 95 percent level of confidence. \u201cWhat level of anxiety, if any, do you have about your financial situation?\u201d question was asked of U.S. consumers in each annual survey conducted by Dynata (formerly Research NOW\/SSI) on behalf of Discover, from 2021 \u2013 2024.\n<\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p>\nIn 2025, nearly half of Americans say inflation (49%) and everyday expenses (45%) contribute to their feelings of financial stress. At least one-quarter of Americans experience financial anxiety due to the state of the economy (38%), their personal debt (29%), unexpected expenses (28%), housing costs (27%) and their household income (25%).\n<\/p>\n<p><b>50% of Americans aren\u2019t financially prepared for the unexpected<\/b><\/p>\n<p>\nThe survey found half of Americans don\u2019t have an emergency fund, and 27% feel they could be saving more toward their existing emergency fund. Also, half of Americans say they aren\u2019t financially prepared for unexpected expenses in general. Various circumstances that many Americans don\u2019t feel financially prepared to handle include:\n<\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b><span class=\"bwinvisible\">Circumstance<\/span><\/b><\/p>\n<\/td>\n<td class=\"bwtopsingle bwsinglebottom bwrightsingle bwrowaltcolor0 bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b><span class=\"bwinvisible\">Do not feel financially prepared to handle<\/span><\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAn economic downturn or recession\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n55%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nA family crisis (e.g., illness, death, legal issues)\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n54%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAn unexpected expense over $2,500\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n53%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nRetirement\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n50%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nJob loss or reduction in income\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n49%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nTaking on caregiver expenses\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n49%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nA major home improvement project or purchase\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n49%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b><i>At least one of the circumstances <\/i><i>above<\/i><\/b><\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n77%\n<\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p><b>Americans see personal loans as an option for unexpected expenses and high interest debt \u2013 but, with many strings attached (high\/hidden fees, collateral, time and more)<\/b><\/p>\n<p>\nMany Americans believe personal loans are a good option for a big, unexpected expense (53%), and a good option for someone with high-interest debt (39%). However, many negative perceptions of personal loans are also prevalent among U.S. consumers:\n<\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwpadl3 bwwidth80\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><span class=\"bwinvisible\">Personal Loan Perception<\/span><\/p>\n<\/td>\n<td class=\"bwtopsingle bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl3 bwwidth20\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><span class=\"bwinvisible\">American Consumers<\/span><\/p>\n<p class=\"bwalignc bwcellpmargin\"><span class=\"bwinvisible\">With This Perception<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth80\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nShould be used as a last resort after exhausting all other options<br \/>\n<br \/>(e.g., after depleting savings, maxing out credit cards, asking family \/ friends for a loan)\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth20\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n65%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth80\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nHave high fees\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth20\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n62%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth80\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nHave hidden fees\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth20\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n55%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth80\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAre difficult to qualify for\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth20\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n55%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth80\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nRequire collateral\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth20\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n54%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth80\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAre time consuming and require a lot of paperwork to get approved\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth20\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n51%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth80\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAre complicated to apply for\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth20\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n49%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth80\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nHave higher rates than credit cards\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth20\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n48%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth80\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nNegatively impact my credit score\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth20\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n48%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwpadl3 bwwidth80\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAre for people who have difficulty effectively managing their finances\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth20\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n42%\n<\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p>\n&#8220;At Discover, our goal is to help customers find smart solutions to achieve their financial goals. For some people, especially those with high-interest debt, a personal loan may be a helpful tool to reduce the cost of their interest and accelerate the elimination of debt,\u201d said Nickele. \u201cResearch is important when making big financial decisions, especially with some of the negative perceptions out there around personal loans. I encourage consumers who could benefit from a personal loan to look for lenders that offer competitive interest rates, no fees, flexible repayment terms and fast funding. If you already have a relationship with a credit card company or bank that you trust, that\u2019s a good place to start personal loan research.&#8221;\n<\/p>\n<p><b>Low awareness of resources for managing debt and personal finance<\/b><\/p>\n<p>\nThe survey also found many Americans may not be aware of the full spectrum of tools, products and concepts that could help them to manage debt and their personal finances:\n<\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwpadl0 bwwidth50\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><span class=\"bwinvisible\">Financial Tool \/ Product \/ Concept<\/span><\/p>\n<\/td>\n<td class=\"bwtopsingle bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl0 bwwidth50\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><span class=\"bwinvisible\">% of Americans Familiar<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nCashback debit cards\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n38%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nDebt consolidation loans\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n35%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nHome equity loans\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n34%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\n0% intro APR credit cards\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n30%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nHigh-Yield savings accounts\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n28%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nSnowball method to pay off debt\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n13%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\n50\/30\/20 budgeting rule\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n12%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAvalanche method to pay off debt\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n9%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwwidth50 bwpadl3\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nCash stuffing\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwwidth50 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n8%\n<\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p><b>Americans that set 2025 financial goals are making progress by taking actions to create a strong foundation<\/b><\/p>\n<p>\nForty-five percent of Americans set financial goals or resolutions for 2025. Of those, 81% say they\u2019ve made at least some progress (38% are happy with that progress, and 43% feel they could have made better progress). Top actions that the 38% of Americans who are happy with their progress have taken include creating and following a budget (36%), reducing discretionary spending (31%), investing (35%), contributing to an emergency fund (26%), increasing income streams (25%), and paying off or consolidating high interest debt (24%).\n<\/p>\n<p><b>About the Survey<\/b><\/p>\n<p>\nThis poll was conducted by Morning Consult on behalf of Discover between March 13-19, 2025, among a weighted U.S. national sample of 1,500 adults. The interviews were conducted online. Results have a margin of error of +\/- 3 percentage points.\n<\/p>\n<p><b>About Discover<\/b><\/p>\n<p>\nDiscover Financial Services (NYSE: DFS) is a digital banking and payment services company with one of the most recognized brands in U.S. financial services. Since its inception in 1986, the company has become one of the largest card issuers in the United States. The company issues the Discover<sup>\u00ae <\/sup>card, America&#8217;s cash rewards pioneer, and offers personal loans, home loans, checking and savings accounts and certificates of deposit through its banking business. It operates the Discover Global Network<sup>\u00ae <\/sup>comprised of Discover Network, with millions of merchants and cash access locations; PULSE<sup>\u00ae<\/sup>, one of the nation&#8217;s leading ATM\/debit networks; and Diners Club International<sup>\u00ae<\/sup>, a global payments network with acceptance around the world. For more information, visit <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.discover.com%2Fcompany&amp;esheet=54250189&amp;newsitemid=20250507531079&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.discover.com%2Fcompany&amp;index=1&amp;md5=1faa9e016d89f6a97f4cb4dae68de9a8\">https:\/\/www.discover.com\/company<\/a>.\n<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20250507531079r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20250507531079\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20250507531079\/en\/<\/a><\/span><\/p>\n<p>\nMedia Contact:\n<\/p>\n<p>\nMatt Miller<br \/>\n<br \/>Discover Financial Services<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:mattmiller@discover.com\">mattmiller@discover.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> United States North America Illinois<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Professional Services Payments Technology Finance Artificial Intelligence Banking Digital Cash Management\/Digital Assets<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Photo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20250507531079\/en\/2461127\/3\/DPL_2025_Survey_Graphic_-_FINAL_for_press_release.jpg\" alt=\"Photo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\">Americans seek to improve their financial lives amid uncertainty.<\/font><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20250507531079\/en\/309572\/3\/2012_PressReleaseLogo.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>Discover Survey: Americans Seek to Improve Their Financial Lives Amid Uncertainty Two-thirds of Americans are experiencing moderate to high financial stress, and half aren\u2019t financially prepared for the unexpected RIVERWOODS, Ill.&#8211;(BUSINESS WIRE)&#8211; More than four in five Americans (84%) are interested in improving their financial situation, but two in five (41%) are unsure about how to best manage their personal finances, according to a new national survey conducted by Discover\u00ae Personal Loans. Many Americans believe their financial situation will stay the same (41%) or get better (38%) in the year ahead, but 20% expect their financial situation to be worse off. This press release features multimedia. View the full release here: https:\/\/www.businesswire.com\/news\/home\/20250507531079\/en\/ Americans seek to improve their financial lives amid &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/discover-survey-americans-seek-to-improve-their-financial-lives-amid-uncertainty\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Discover Survey: Americans Seek to Improve Their Financial Lives Amid Uncertainty&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-847835","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Discover Survey: Americans Seek to Improve Their Financial Lives Amid Uncertainty - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/discover-survey-americans-seek-to-improve-their-financial-lives-amid-uncertainty\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Discover Survey: Americans Seek to Improve Their Financial Lives Amid Uncertainty - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"Discover Survey: Americans Seek to Improve Their Financial Lives Amid Uncertainty Two-thirds of Americans are experiencing moderate to high financial stress, and half aren\u2019t financially prepared for the unexpected RIVERWOODS, Ill.&#8211;(BUSINESS WIRE)&#8211; More than four in five Americans (84%) are interested in improving their financial situation, but two in five (41%) are unsure about how to best manage their personal finances, according to a new national survey conducted by Discover\u00ae Personal Loans. Many Americans believe their financial situation will stay the same (41%) or get better (38%) in the year ahead, but 20% expect their financial situation to be worse off. This press release features multimedia. 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