Woman gazing wistfully

CONCERNED TO CONFIDENT:

The Guardian Study of Financial and Emotional Confidence

At Guardian, we think everyone should have the knowledge, skills, and resources they need to feel financially and emotionally confident. So we conducted research to understand what’s going on in the minds of Americans in 2016, in order to serve them better.

What we discovered is that more than 1 in 6 Americans are dissatisfied with life and their financial future. The good news from all of this? There are ways to get back on track.

Man Using At Computer

We surveyed nearly 5,000 working Americans to find out what behaviors lead to emotional confidence, and how stress can influence financial decision-making.

We found that overall, Americans are pretty stressed. The most prominent stressors include chaos in the world, the ever-present need to stay on top of breaking news, and their financial health. But despite this, Americans also have a clear sense of their top life priorities.

Top priorities include: being happy, having enough money to enjoy life, and retiring with a secure and adequate income. While financial security is also high on the list, many struggle with basic personal finance issues, such as budgeting, saving, and planning for the future.

The research revealed that over 2/3 of Americans feel they’re not good at living within their means.

And more than 1 in 3 consider delaying retirement.

How do we bridge
the gap?


We bridge the gap by knowing what our outlook is when it comes to financial and emotional confidence:

Confident Planner

Have it figured out when it comes to finances and work/life balance.

CONFIDENT
PLANNER

Have it figured out when it comes to finances and work/life balance.

Ambitious Spender

Enjoy being active in the community, and keeping up with trends.

AMBITIOUS
SPENDER

Enjoy being active in the community, and keeping up with trends.

Retirement Realist

Place a priority on work/life balance, family, and meaningful experiences in retirement.

RETIREMENT
REALIST

Place a priority on work/life balance, family, and meaningful experiences in retirement.

Day-to-Day Decision-Maker

Tend to focus on today’s demands and having enough money to enjoy life.

DAY-TO-DAY
DECISION-MAKER

Tend to focus on today’s demands and having enough money to enjoy life.

Take the quiz to find out which one you are most like

After you get a clearer picture of what your personality type is, you can benchmark yourself against those who are the most confident and satisfied. They generally do these things right:

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After you get a clearer picture of what your personality type is, you can benchmark yourself against those who are the most confident and satisfied. They generally do these things right:

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Understand basic financial solutions

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Have a plan, created in partnership with a financial representative

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Have a toolkit containing different types of financial solutions and backup plans

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Live within their means and have a healthy attitude about money that is long-term focused

Are you financially confident,
or could you use a little help?
Follow the path of the most confident Americans and identify where you can start making small changes today. In less than one minute, take our quiz (10 short questions) to discover your financial personality. You will then receive tips on how to take control of your financial future.

TAKE THE QUIZ

What makes our
research unique?

Find out more about our methodology

What makes our research unique?

Find out more about our methodology