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of Americans live paycheck to paycheck — including millions of people earning six figures. For many families, income is coming in, but nothing is truly being built.

of Americans could not cover a $1,000 emergency with savings or available cash. One car repair, medical bill, or missed paycheck can push a household into debt.

of adults say the largest emergency expense they could cover with savings is less than $500 — including 18% who say they could handle less than $100.

of people carrying credit card debt say that debt has forced them to delay important financial decisions like saving, investing, or buying a vehicle.

of adults carry some form of medical or dental debt. For millions of families, a health issue can quickly become a financial crisis.

of Americans cannot correctly answer at least five out of seven basic financial knowledge questions. Most people are expected to make major money decisions without ever being properly taught how money works.

of American adults do not have life insurance. That means millions of families have no protection in place if an income earner dies unexpectedly.

of American adults say they need life insurance or need more of it — representing roughly 100 million people who are uninsured or underinsured.

of U.S. adults have no retirement investments. For millions of people, retirement is not a plan — it is a hope.

of Americans say money is a significant source of stress. Financial pressure does not stay on a spreadsheet — it shows up in people's health, marriages, energy, sleep, and quality of life.