{"id":31838,"date":"2026-01-02T13:38:18","date_gmt":"2026-01-02T17:38:18","guid":{"rendered":"https:\/\/www.red94.net\/news\/fidelity-investments-survey-reveals-64-of-americans-making-financial-resolutions-in-2026-despite-widespread-budget-stress-and-financial-setbacks\/"},"modified":"2026-01-02T13:38:18","modified_gmt":"2026-01-02T17:38:18","slug":"66629-fidelity-investments-study-reveals-64-of-americans-won-t-make-financial-resoluti","status":"publish","type":"post","link":"https:\/\/www.red94.net\/news\/66629-fidelity-investments-study-reveals-64-of-americans-won-t-make-financial-resoluti\/","title":{"rendered":"Fidelity Investments survey reveals 64% of Americans making financial resolutions in 2026 despite widespread budget stress and financial setbacks"},"content":{"rendered":"

Fidelity Investments<\/b>‘ latest study reveals a contradiction that defines 2026 for Americans. Despite budget stress gripping nearly half the nation, 64% are planning financial resolutions<\/b> this year\u2014a jump from 56% last year. Yet the motivation behind these goals tells a deeper story about financial anxiety in the new year.<\/p>\n

\n

\ud83d\udd25 Quick Facts<\/h3>\n
    \n
  • 64% of Americans<\/b> are considering financial resolutions for 2026, up from 56% in 2025<\/li>\n
  • 71% have a financial plan<\/b> in place to reach their goals despite 31% describing their money relationship as stressful<\/b><\/li>\n
  • Nearly three-quarters (73%)<\/b> of Americans experienced a financial setback in 2025, driving focus to emergency savings and debt reduction<\/li>\n
  • Top resolutions: save more money (44%)<\/b>, pay down debt (36%)<\/b>, and spend less (30%)<\/b><\/li>\n<\/ul>\n<\/div>\n

    The Financial Resolution Revolution Taking Hold<\/h2>\n

    Fidelity Investments<\/b>, conducting its 17th annual study, found that Americans aren’t avoiding financial planning despite economic pressures. Instead, 64% of respondents<\/b> are considering a financial resolution for 2026\u2014a significant 8-percentage-point increase from 2025<\/b>. More notably, 36% of those making resolutions<\/b> say they’re prioritizing them more than ever before.<\/p>\n

    The shift reflects a growing recognition that intentional planning matters more than passive hoping. Amanda Lott, Head of Financial Planning at Fidelity<\/b>, notes this approach as “planning with purpose.” People are moving beyond wishes into actionable strategies, even as rising prices and unexpected expenses create constant headwinds.<\/p>\n

    What’s driving this change? Fear. In 2025, 72% of Americans experienced<\/b> some form of financial setback, whether it was lower purchasing power from inflation or surprise expenses. That reality has made planning feel less optional and more like survival.<\/p>\n

    Budget Stress Reaches Record Levels Across America<\/h2>\n

    The financial stress Americans face is real and measurable<\/b>. The study found that 55% of Americans<\/b> feel overwhelmed by personal finances, with Millennials (68%) and Gen Z (64%)<\/b> experiencing the highest anxiety. Even more troubling, 31% describe their relationship with money as stressful<\/b>.<\/p>\n

    The primary sources of stress reveal where the pressure is building. 45% are most concerned about rising everyday prices<\/b>, reflecting how inflation at the grocery store and gas pump continues to erode household budgets. Following close behind are concerns about unexpected expenses (31%<\/b>) and rising healthcare or insurance costs (28%<\/b>).<\/p>\n

    33% say they have significantly less money in 2025 due to rising prices<\/b>, and 37% believe they’ll face the same setback in 2026<\/b>. This backward-looking assessment of financial loss paired with forward-looking anxiety creates the tension defining the new year.<\/p>\n

    Short-Term Savings Goals Dominate Resolution Lists for 2026<\/h2>\n\n\n\n\n\n\n
    Financial Resolution<\/td>\nPercentage Making This Resolution<\/td>\n<\/tr>\n
    Save more money<\/td>\n44%<\/b><\/td>\n<\/tr>\n
    Pay down debt<\/td>\n36%<\/b><\/td>\n<\/tr>\n
    Spend less<\/td>\n30%<\/b><\/td>\n<\/tr>\n
    Build emergency fund<\/td>\n25%<\/b><\/td>\n<\/tr>\n<\/table>\n

    For the second consecutive year, Americans are prioritizing short-term goals over long-term ones<\/b>. Of those saving more money, 52% focus on short-term needs<\/b>\u2014emergency savings, credit card debt, mortgage payments, big-ticket purchases\u2014while only 48% target long-term goals<\/b> like retirement or college savings.<\/p>\n

    This reversal from historical patterns reveals genuine financial vulnerability. When households live paycheck to paycheck, retirement planning becomes a luxury they can’t afford. Emergency rebuilding tops priority lists<\/b>, with 78% saying they plan to build emergency savings<\/b> in the coming year.<\/p>\n

    Motivation comes from mixed sources. 49% cite a desire for greater peace of mind<\/b>, 47% want to live debt-free<\/b>, and 35% want to control daily expenses<\/b>. These aren’t aspirational wishes\u2014they’re responses to genuine pain points from 2025.<\/p>\n

    Despite Stress, 71% Have Plans and Optimism Is Rising<\/h2>\n

    Perhaps the most encouraging finding: despite financial worries, 71% of Americans have a plan to reach their financial goals<\/b>. This suggests resolution-setting isn’t wishful thinking\u2014it’s accompanied by strategic action.<\/p>\n

    Optimism is also growing. 70% see themselves in a better or similar financial situation<\/b> compared to a year ago, compared to 67% in 2024<\/b>. Even more significant, 43% feel better about their finances than they did five years ago<\/b>, up from 36% last year<\/b>. This improvement reflects strong market performance in the second half of 2025 and positive savings behavior among those who managed to save.<\/p>\n

    \n“Committing to purposeful financial planning in all market environments is a smart strategy and helps to build confidence and lays a strong foundation for achieving short and long-term financial goals.”\n<\/p><\/blockquote>\n

    \u2014 Amanda Lott<\/b>, Head of Financial Planning and Advice Capabilities, Fidelity Investments<\/p>\n

    What Will It Take to Keep These Resolutions in 2026?<\/h2>\n

    History shows that financial resolutions often fail. But Fidelity found that those who successfully kept resolutions in 2025<\/b> had one thing in common: they made realistic, specific, and easy-to-maintain goals (27% each)<\/b>. Progress itself felt good enough to maintain momentum (27%<\/b>).<\/p>\n

    The data suggests three critical success factors. First, goals must be clear and specific<\/b>\u2014not “save money” but “save $200 monthly for emergency fund.” Second, realistic expectations matter<\/b>\u2014unsustainable targets lead to abandonment. Third, building in small wins<\/b> creates the psychological reinforcement needed to sustain effort throughout the year.<\/p>\n

    80% of Americans believe having a financial plan<\/b> can help them deal with unexpected events. This belief provides a foundation for commitment. Yet only 37% with financial advisors<\/b> feel their advisor could help create a flexible plan that adapts when priorities shift. This gap suggests many Americans need better guidance on building adaptable strategies.<\/p>\n

    Sources<\/h3>\n
      \n
    • Fidelity Investments<\/b> – 2026 New Year’s Financial Resolutions Study, 17th Annual<\/li>\n
    • Fox Business<\/b> – Reporting on Fidelity study findings regarding American financial resolutions and budget concerns<\/li>\n
    • Fidelity Newsroom<\/b> – Official press release on Americans preparing for “planning with purpose” in 2026<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":23,"featured_media":31837,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"schema_org_data":"{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Place\",\"name\":\"America\",\"description\":\"country\"}]}","_extracted_celebrities":"","_extracted_movies":"","_extracted_places":null,"_extracted_videos":"","_last_enrichment_date":"2026-01-02 13:38:50","footnotes":""},"categories":[391],"tags":[],"class_list":["post-31838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-finance","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33"],"yoast_head":"\nFidelity Investments survey reveals 64% of Americans making financial resolutions in 2026 despite 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