In the case of finance, it is easy and widespread to feel as if it is delayed behind everyone.
Fifty -three percent of the Americans who participated in the survey by Navigator in July, said they thought they would be financially. [1]. The same majority (53%) expressed unrest with their personal financial situation for the next few months and said that they were “very” (26%). Combined with stubborn inflation, it is easy to see why Americans are nervous, from the gloomy point of view on jobs and economy.
However, the first 50% threshold with certain financial parameters is surprisingly low. It doesn’t take much time to make yourself a better position than half of the country’s adults. In fact, if you can only control one of the three boxes below, you are already in the upper half or close to it.
Here is a closer look.
According to Marketwatch guides, as of 2025, 57% of American adults say that they experience salaries [2]. And it shouldn’t be a surprise that young Americans have higher probability to live like this. Sixty -five percent of the millennium and 72% of the Gen Z -Americans said they complies with this category.
“Living for salary payment, renting and public services, such as paying basic expenses, such as having little money or having no money means to have.” He said. He continued: “Salary withdrawal to attract a salary, if they miss a single salary day will be under the risk of not being able to pay invoices or meet the requirements. Salary shoot, emergency fund, savings for the future or occasionally can make it difficult to blow.”
In other words, even if you can save some money even at the end of each month – you will be in front of more than half of the country’s population by reducing costs or increasing income. If you are young and saving money, congratulations, you are in a distinguished financial ninja group!
It is completely natural to worry about money from time to time. Even billionaires are probably worried about taxes or stock market accidents. But if you are often worried about financing, it can be a bright red flag.
Surprisingly, 52% of the Americans who participated in the survey by Ramsey Solutions in June 2025 said that they were worried about their financial situation daily [3]. In addition, 34% of Americans lose sleep over money.
This is hard reality for many Americans. However, if your financial situation is stable enough to allow you to forget money problems occasionally, consider yourself lucky. Better than half of the country – you do better both financially and psychologically – better.
Read More: Rich, young Americans are sick of stocks – Instead, alternative assets they make banking
Considering that most Americans are concerned about the payment of salary and payment and their daily financial situations, it should not be surprising that many of them struggle to secure their future financial needs.
According to a survey conducted by Gallup, at least 59% of Americans have some money, in a pension account alone or with a wife [4]. However, young Americans are likely to have such savings. Only 39% of adults between the ages of 18 and 29 said they invested in a pension saving plan.
So, if you have a modest nest egg, you probably do better than 41% of Americans and save them for retirement before the age of 29, you perform better than six peers.
If you even check one of the boxes mentioned above, you will be better than most or more than Americans. If you check all three, you encounter minimum naked for financial success. However, you need to go beyond these basic requirements to increase your chances of success.
Maximize the amount of money you save every month, change jobs or increase income, minimize or completely eliminate expensive consumer debt, and pay for training to make strategic investment in the long run. Being in a better position than 50% of Americans does not mean that you should not target the first 10%.
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[1]. Navigator. “I feel the majority behind financially”
[2]. Marketwatch Guides. “57% of the Americans suffer from paying salaries in 2025”
[3]. Ramsey solutions. “Personal finance status in America is Q2 2025”
[4]. Golf. “What percentage of Americans have a pension saving account?”
This article only provides information and should not be interpreted as advice. It is provided without any warranty.
