Economic uncertainty continues to shape how Americans think about money. In the latest wave of the Logica® Future of Money Study, 51% of Americans say the economy is worse than it was a year ago, while just 21% say conditions have improved, and views of the year ahead remain divided. Against this backdrop, Americans are adjusting how they manage money, evaluate work, and plan for the future, with a clear focus on maintaining stability.

Economic pressure shows up as financial stress

Economic uncertainty is closely tied to financial stress across income and financial well-being levels. Even among those who report good financial well-being, most still experience stress related to money. For those with poor financial well-being, financial stress is nearly universal, paired with stronger needs around managing debt, investing basics, and navigating uncertain economic conditions.

This pattern suggests that concern about the economy is influencing financial confidence broadly, not only among those facing immediate hardship.

Saving as a defensive response to the economy

One of the responses we are seeing in response to economic uncertainty is increased saving. Thirty-six percent (36%) of Americans say they are saving more or building emergency funds because of current economic conditions, and Americans now report an average of five months of emergency savings. The data also show a clear relationship between savings and stress. Those with three or more months of emergency savings report lower levels of financial stress than those with more limited reserves, underscoring the role short-term savings play in managing economic pressure.

The economy’s influence on work decisions

Economic conditions are also shaping how Americans think about work. Our study shows that more are considering switching jobs, with 52% of employed Americans saying they are somewhat or very likely to switch employers in the next year, compared with 40% one year earlier. These pressures reinforce the connection between economic uncertainty and day-to-day financial decision-making. At the same time, most workers say it is important for employers to offer programs that support money management and financial well-being. To learn more about what they are looking for, grab a copy of our Highlight Report.

Navigating an uncertain economic environment

The findings show that Americans are moderating spending, increasing savings, reassessing their jobs and seeking clearer financial guidance as they navigate an economy that feels uncertain and unpredictable. Financial decisions are increasingly shaped by a desire to maintain control and reduce stress in an environment that offers few clear signals about the future.

Download the Highlight Report.