For our Financial Wellness Census, Prudential talked to over 3,000 people about their financial health. They fell into four categories: confident, idealistic, pessimistic, discouraged.

We found that about half of the country is struggling to manage day-to-day and plan for the future.

Of those who are the most behind, nearly a third think they are actually in good shape.

Of those that are doing well more than a quarter remain anxious about their finances.

How are we doing? Explore how different factors impact the country’s financial wellness.

These idealists may not understand the challenges ahead. Their rosy outlook could lead to missed opportunities now to budget and save.

The pessimists may benefit from their caution, but they may also face undue stress that could impact their health.

African Americans and Hispanics are less likely to feel they are on track to meet their financial goals than the general population.

Women are more likely than men to be pessimistic or discouraged. They uniformly see themselves as being less on track to meet their goals than men.

Millennials are disproportionately idealists, confident in their ability to achieve goals while in fact they may not actually be on track.

Although financial stability increases with education, we found both idealists and pessimists at every education level.

Married Americans are among those most likely to be confident in their financial wellness.

Caregivers are among the most concerned about their financial future. 55% consider themselves “very worried.”

Americans’ top driver of worry about the financial future is the belief that they’ll have to work as long as they’re able.

Source: Prudential’s 2018 Financial Wellness Census