Americans Prioritize Financial Stability in 2025 New Year’s Resolutions

(KNSI) — A growing number of Americans are making financial stability their top New Year’s resolution for 2025, according to the Allianz Life 2025 New Year’s Resolutions Study.

Financial stability emerged as the top focus for 38% of respondents in the annual study, up from 33% last year and the highest percentage since Allianz Life began tracking this data in 2015. Millennials are leading the charge, with 44% ranking financial stability as their primary goal for 2025, compared to 37% of Gen Xers and 33% of baby boomers.

Americans’ financial stress levels remain similar to last year, with 44% reporting the same stress level as in 2024. Another 41% say their stress has increased, while only 16% feel less stressed. Millennials report the highest levels of financial stress, with 52% saying they feel more stressed, compared to 37% of Gen Xers and 23% of baby boomers. Americans cite rising costs, insufficient income, inadequate emergency funds, and high debt as major contributors.

Most acknowledge they have bad financial habits. The top issues include spending too much on non-essential items, failing to save money, saving less than they could, not paying down debt quickly enough, and spending more than they earn.

Despite current challenges, 35% of Americans anticipate improved financial situations in 2025. Emergency savings top the list of financial improvements Americans hope to make, with 24% identifying it as their primary financial goal, up from 17% in 2023. Other key focus areas include paying down credit card debt (15%) and increasing retirement savings (15%).

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