1Real Median Household Income in the United States, FRED Economic Data, 2023

2S&P/Case Shiller U.S. National Home Price Index from 2000 to 2022, Statista, 2023

3Average Rent by Year, iProperty Management, 2022

4Average Cost of College by Year, Education Data Imitative, 2022

5How the Average Cost Per Year of Raising a Child Has Changed Since the Early 2000s, SoFi, 2023

6Childcare is about to get even more expensive at the end of September unless Congress acts, Business Insider, 2023

7Food Price Inflation Since 2000, Official Data Foundation, 2023

8U.S. All Grades All Formulations Retail Gasoline Prices, U.S. Energy Information Administration, 2023

9Average retail electricity prices in the United States in selected years from 1990 to 2022, Statista, 2023

10U.S. News & World Report Inflation-Induced Moving Survey, U.S. News & World Report, 2023

11Childcare is about to get even more expensive at the end of September unless Congress acts, Business Insider, 2023

12Inequality in annual earnings worsens in 2021, Economic Policy Institute, 2022

13CPI Inflation Calculator, Official Data Foundation, 2023

14Poll Results: Wages and the Cost of Living, Monster, 2023

15Average Cost of College by Year, Education Data Imitative, 2022

16Rising Student Debt Harming the U.S. Economy?, Council on Foreign Relations, 2023

17Which generation has the most wealth?, USA Facts, 2023

18The Race to Homeownership: Gen Z Tracking Ahead of Their Parents’ Generation, Millennials Tracking Behind, Redfin, 2023

19Most Execs Are Now Gen X. What Does That Mean?, The HT Group, 2023

20Shocking Facts About Gen X’s Finances, JG Wentworth, accessed 2023

21Millennials Make Historic Switch From Renter-Majority to Homeowner-Majority Generation, RentCafe, 2023

22Which generation has the most student loan debt?, Bankrate, 2023

23Avoid Becoming One of These 6 Retirement Statistics, U.S. News & World Report, 2023

24Who Has Retirement Accounts?, United States Census Bureau, 2022

25Nearly half of American households have no retirement savings, USA Facts, 2023

26Fast Facts: The Gender Wage Gap, U.S. Department of Labor, 2023

27Ibid

28Where Single Mothers Fare Worse Economically – 2022 Study, SmartAsset, 2022

29Financial well-being and literacy in a high-inflation environment, TIAA Institute, 2023

30 Financial well-being and literacy in a high-inflation environment, TIAA Institute, 2023

31Average Cost of College by Year, Education Data Imitative, 2022

32Do College Grads Really Earn More Than High School Grads?, Cornerstone University, 2016

33Financial stress costs U.S. companies $4.7 billion per week, BenefitsPro, 2021

34Financial Wellness Could Be Key to Reducing Employee Turnover, SHRM, 2021

Unless otherwise sourced all data points, statistics, charts, and statements of fact originate from Guardian’s 12th Annual Workplace Benefits Study, 2024.

The Guardian Life Insurance Company of America (Guardian), New York, New York. GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America. © Copyright 2024, The Guardian Life Insurance Company of America.

Material discussed is meant for general informational purposes only and is not to be construed as tax, legal, financial, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice.

1Real Median Household Income in the United States, FRED Economic Data, 2023

2S&P/Case Shiller U.S. National Home Price Index from 2000 to 2022, Statista, 2023

3Average Rent by Year, iProperty Management, 2022

4Average Cost of College by Year, Education Data Imitative, 2022

5How the Average Cost Per Year of Raising a Child Has Changed Since the Early 2000s, SoFi, 2023

6Childcare is about to get even more expensive at the end of September unless Congress acts, Business Insider, 2023

7Food Price Inflation Since 2000, Official Data Foundation, 2023

8U.S. All Grades All Formulations Retail Gasoline Prices, U.S. Energy Information Administration, 2023

9Average retail electricity prices in the United States in selected years from 1990 to 2022, Statista, 2023

10U.S. News & World Report Inflation-Induced Moving Survey, U.S. News & World Report, 2023

11Childcare is about to get even more expensive at the end of September unless Congress acts, Business Insider, 2023

12Inequality in annual earnings worsens in 2021, Economic Policy Institute, 2022

13CPI Inflation Calculator, Official Data Foundation, 2023

14Poll Results: Wages and the Cost of Living, Monster, 2023

15Average Cost of College by Year, Education Data Imitative, 2022

16Rising Student Debt Harming the U.S. Economy?, Council on Foreign Relations, 2023

17Which generation has the most wealth?, USA Facts, 2023

18The Race to Homeownership: Gen Z Tracking Ahead of Their Parents’ Generation, Millennials Tracking Behind, Redfin, 2023

19Most Execs Are Now Gen X. What Does That Mean?, The HT Group, 2023

20Shocking Facts About Gen X’s Finances, JG Wentworth, accessed 2023

21Millennials Make Historic Switch From Renter-Majority to Homeowner-Majority Generation, RentCafe, 2023

22Which generation has the most student loan debt?, Bankrate, 2023

23Avoid Becoming One of These 6 Retirement Statistics, U.S. News & World Report, 2023

24Who Has Retirement Accounts?, United States Census Bureau, 2022

25Nearly half of American households have no retirement savings, USA Facts, 2023

26Fast Facts: The Gender Wage Gap, U.S. Department of Labor, 2023

27Ibid

28Where Single Mothers Fare Worse Economically – 2022 Study, SmartAsset, 2022

29Financial well-being and literacy in a high-inflation environment, TIAA Institute, 2023

30 Financial well-being and literacy in a high-inflation environment, TIAA Institute, 2023

31Average Cost of College by Year, Education Data Imitative, 2022

32Do College Grads Really Earn More Than High School Grads?, Cornerstone University, 2016

33Financial stress costs U.S. companies $4.7 billion per week, BenefitsPro, 2021

34Financial Wellness Could Be Key to Reducing Employee Turnover, SHRM, 2021

Unless otherwise sourced all data points, statistics, charts, and statements of fact originate from Guardian’s 12th Annual Workplace Benefits Study, 2024.

The Guardian Life Insurance Company of America (Guardian), New York, New York. GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America. © Copyright 2024, The Guardian Life Insurance Company of America.

Material discussed is meant for general informational purposes only and is not to be construed as tax, legal, financial, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice.