财富之外：美国人如何定义真正的财务满足感

EdwardJonesR

2026UNITEDSTATESREPORT

MoneyandMeaning:Understanding

FinancialFulfillment

Howvaluesandemotionsshapeourrelationshipwithmoney

GLUP.

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..

TableofContents"".

2Introduction

4FinancialFulfillmentReflectsMoreThanIncomeandWealth

6MostAmericansFallBetweenFinancialStressandFulfillment

8FinancialFulfillmentIsStronglyLinkedtoOtherPositiveLifeOutcomes

10FinancialFulfillmentinTheirOwnWords

11FinanciallyFulfilledAmericansPlan,PrioritizeandSeekGuidanceDifferently

13Conclusion

14Methodology

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Introduction

Inthefirstquarterof2026,63%ofAmericanssaidtheyhave“often”or“always”feltgratitudeinthe

last30days1whenthinkingabouttheirfinances,

while36%havefeltstress.Financiallifeinthe

UnitedStatescanbringstability,possibilityanda

senseofprogress.Itcanalsobringuncertaintyandstrain.Inmanycases,Americansfeelbothprogressandpressureatthesametime.

Thistensionreflectsabroaderfinancialreality.While46%ofAmericansratetheircurrentfinancialsituationas“excellent”or“good,”alargershare(55%)saytheirfinancesaregettingworse,continuingamultiyear

patterninwhichmoreAmericansfeeltheirfinancialpositionisdecliningratherthanimproving.2

EdwardJoneshasexploredfinancialfulfillmentasa

waytobetterunderstandhowAmericans)financial

circumstancesandperceptionsshapetheiroveralllife

experience.InPulseofNorthAmerica,3whichincludedresponsesfromCanadiansandAmericans,EdwardJonesfoundthatfinancialfulfillmentismostoftenunderstoodasfreedomtopursuepassions(47%),lessstressabout

money(38%),andmoretimewithfamilyandfriends

(35%).Financialfulfillmentistiednotonlytofinancial

stabilitybutalsotochoice,confidenceandtheabilitytomovethroughlifewithgreaterfreedom.

1Fullitemtext:“Inthepast30days,howoftendidyou

experiencethefollowingemotionswhenthinkingaboutyourfinances?”

2Saad,L.(2026,April28).AffordabilitystilldominatesAmericans’financialworries.Gallup.

/poll/708905/affordability-

dominates-americans-financial-worries.aspx

3EdwardJones.(2025).PulseofNorthAmerica.

https://www.edwardjones.

com/sites/default/files/acquiadam/2025-06/MKT-19591-C.pdf

Financialfulfillmentrepresentsa

broadersenseofsecurityandresiliencethroughlife’supsanddowns,alongwithconfidencethatfinancialdecisions

todaywillsupportwhatmattersmosttopeoplebothnowandinthefuture.

Todeepentheunderstandingoffinancialfulfillment

andhowitaffectsAmericans)lives,EdwardJonesand

Galluppartneredtostudyanationallyrepresentative

sampleof5,075U.S.adultsaged21orolder.Together,

theycreatedameasureoffinancialfulfillmentbased

on37validateditems,usingahighlyreliablescale.This

FinancialFulfillmentScaleisrelatedtoexisting,validatedconcepts,includingtheU.S.ConsumerFinancial

ProtectionBureau(CFPB)FinancialWell-BeingScale,butismorecloselyassociatedwithoverallwell-being,likely

becauseitcapturestheemotionalaspectsoffinanciallife,aswellashowcloselyfinancialdecisionsalignwithvalues.Thus,fulfillmentismorethanwealth.Itconnectsobjectivefinancialconditionstomeaning,purposeandfeelingsaboutmoney.

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Thestudyrevealsthat16%ofAmericanshaveachievedhighfinancialfulfillment,whiletwiceasmany,32%,areinastateoffinancialstress.Thelargestgroup(51%)fallsinbetween.Formanyadults,financiallifeincludessignsofprogressalongsideongoingtradeoffstobuildfinancialsecurityandfeelingsofcontrol.

WhereAmericansfallonthespectrumoffulfillmentmatters.Adultswithhigherfinancialfulfillmentarefarmore

likelytobethrivinginlife,toratetheirphysicalandmentalhealthpositively,andtofeelstrongerconnectionintheirrelationshipsandcommunities.Thosedifferencesremainmeaningfulevenwhenaccountingfornetworth,age,

incomeandotherdemographicfactors,whicharelesspredictiveofwell-beingthanfulfillment.Indeed,fulfillmentmorecloselypredictslifeoutcomesandwell-beingcomparedwithwealthalone.

Yet,fortheoneinthreeAmericanswhoarefinanciallystressed,thepathtowardamorefulfilledfinanciallifeoftenbeginswithmoreimmediategoals:reducingdebt,increasingincomeandcreatingstability.

Theseareoftenthefirststepsalongabroader

continuum,wherefinancialfulfillmentisnota

fixeddestinationbutsomethingthatshiftsover

timeascircumstancesandprioritieschange.Thisstudyexploresthatjourney,fromthefinancial

realitiesmostAmericansarenavigatingtodayto

theconditionsthatmakealifeofgreaterfreedom,confidenceandmeaningpossible.

Financialfulfillmentislessaboutanumberand

moreaboutwhatmoneymakespossible.

.--

Money,formostAmericans,isnot

anendinitself.Whenaskedwhat

theydowiththeirmoneythatbringsthemjoy,Americansoverwhelminglypointtoexperiences,relationshipsandmomentsofmeaning—not

possessionsorfinancialmilestones.

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FinancialFulfillmentReflectsMoreThanIncomeandWealth

Financialfulfillmentisastateinwhichfinancesfeelalignedwithwhatmattersmost.Itcapturesnotonlyfinancialsecuritybutalsowhethermoneycreatesfreedom,confidenceandforwardmomentumratherthanongoingstrain.Atitscore,itcaptureswhetherfinancessupportthelifeapersonwantsto

build,withmeaningfulimplicationsforhowpeopleexperiencetheirlivesoverall.

Tomeasurethisconcept,EdwardJonesandGallupexamined37itemscollectedonthesurveythatmeasuredvariousaspectsofAmericans)financiallives,emotionalexperiencesandconfidencerelatedtomoney.A

factoranalysisofthese37elementsuncoveredthatfourcomponentscharacterizefinancialfulfillmentandmeettechnicalstandardsforreliabilityandvalidity.4

Inadditiontothesemeasures,thesurveyaskedrespondentstodescribewhatwouldmake

themfeelfinanciallyfulfilledintheirownwords.Theirresponsesprovideadditionalcontextforhowthesecomponentsmanifestindailylife.Thefourcomponentsarelistedbelow,

alongsideillustrativequotesfromopen-endedresponses.

02Positiveemotionrelatedtofinances

Financialsituationsevokepositiveemotionssuchasjoy,peaceandgratitude.

01Financialalignmentandfreedom

Financesareinalignmentwithvaluesandgoals,

withfewertradeoffsandgreaterfinancialsecurity.

“ThefreedomtoengageintheexperiencesI

wantandtohavethepossessionsIwantwithoutconcernforfinancialhealth.”

“HavingenoughmoneytoenjoyactivitiesandpeopleIlovethroughretirement.”

04Financialconfidence

Highlevelsoffinancialconfidence,knowledgeandaclearfinancialplan.

“KnowingthatIwillhaveenoughmoneytoretire,payformyhousingexpensesandstillhavemoneyleftover.”

03Absenceofnegativeemotionrelatedtofinances

Financialsituationsarelesslikelytoevokenegativeemotionssuchas

sadness,shameorstress.

“Nothavingtoworry

aboutdebtorlarge,

unexpectedexpenses.”

4SeeMethodology:FactorAnalyses.

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Financialalignmentandfreedomreflectswhether

financessupportthevaluesandlifeapersonwants

tobuildratherthangettingintheway.Thisincludes

avoidingtheneedtosacrificevaluestoearnmore

moneyandbeingabletoenjoylife,spendtimeon

whatmattersmost,makeimportantdecisionswithoutfinancialworry,andstayontracktowardfinancialgoals.Italsomeasureshavingthecontrolandresilienceto

handlesetbackswithoutongoingstrain.

Positiveemotionrelatedtofinancescapturestheextenttowhichfinancesareassociatedwithgratitude,joy,peace,prideandcontentment.Thesefeelings

pointtoafinanciallifethatfeelsstable,supportiveandmarkedbyprogress.

Absenceofnegativeemotionrelatedtofinances

centersontheextenttowhichfinancesarenot

associatedwithstress,shame,angerorhopelessness.

Theseemotionscanshapefinanciallifeinpowerful

ways,especiallywhenpeoplefeelstuckorunabletoabsorbsetbacks.Lowerlevelsoftheseexperiences

pointtoafinancialstatethatfeelslessfragileandlessemotionallytaxing.

Financialconfidencedescribeswhetherpeoplefeelknowledgeable,clearandincontroloftheirfinances.Itincludeshavingafinancialplan,confidenceinmanagingcurrentandfutureneeds,andasensethatfinancial

prioritiesalignwithpersonalvalues.

Together,thesefourelementsshowwhyfinancialfulfillmentcannotbereducedtoincome,savingsordebt

alone.Thescalecapturesbothfinancialconditionsandthewaypeopleexperience,interpretandmanagethoseconditionsintheirdailylife.

5

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MostAmericansFallBetween

FinancialStressandFulfillment

Tounderstandhowfinancialfulfillmentvariesacrossthepopulation,GallupandEdwardJones

groupedadultsintothreelevels:financiallyfulfilled,financiallyconflictedandfinanciallystressed.

Thismakesitpossibletoseenotonlyhowcommonfinancialfulfillmentis,butalsohowmeaningfullyfinanciallifediffersacrosslevels.

Adultswereclassifiedintothesegroupsbasedontheirresponsesacrossthe37indicators.5Financiallyfulfilledadultsreportalignment,confidenceandsupportive

financialexperiences,whilefinanciallystressedadultsreportstrain,tradeoffsandlackofcontrol.Financiallyconflictedadults,whofallbetweenthesetwostates,experienceamixofstabilityanduncertainty.

Nationally,16%ofAmericansarefinanciallyfulfilled,while32%arefinanciallystressed.Thelargestshare(51%)arefinanciallyconflicted,indicatingthat

mostAmericansexperienceablendofprogressandongoingfinancialstrain.

Financiallystressed

32%

Financiallyconflicted

51%

OFAMERICANS

OFAMERICANS

Financialdecisionsaremarkedbypainfultradeoffs,misalignment

withvaluesandpriorities,

lowconfidenceandagency,andfrequentstressorothernegativeemotions.

Astateinwhichfinancial

decisionsevokemixed

emotionsandmoderate

confidence,andone’s

financialsituationrequiresoccasionalsacrificeswithotherlifepriorities.

Financiallyfulfilled

16%

OFAMERICANS

Financialdecisionsalignwith

valuesandpriorities,finances

feelmanageableandsupportive,andmoneyisassociatedwith

confidence,agency,andmorepositiveemotions.

Responsesacrossitemsthatcomprisethismeasureillustratehowdifferentlythesegroupsexperiencefinanciallife.

AmongfinanciallystressedAmericans,52%saytheirfinances“often”or“always”controltheirlife,comparedwith12%

offinanciallyconflictedandjust1%offinanciallyfulfilledadults.Incontrast,95%offinanciallyfulfilledadultsreport

“agreatdeal”ofconfidenceinmanagingtheircurrentfinancialneeds,comparedwith40%ofconflictedand8%

ofstressedadults.Whiledifferencesaremostpronouncedbetweenthestressedandthefulfilled,themajorityof

Americanswhoarefinanciallyconflictedaremeaningfullydistinctfromboth.Thismiddlegroupisnotsimplyaneutralmiddlecondition;itrepresentsadistinctfinancialstatemarkedbypartialstabilitypairedwithsomevulnerability.

5SeeMethodology:FulfillmentReportingCategories.

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Financialfulfillmentdiffersinrecognizablewaysacrossmajordemographicgroups.Itismorecommonamongolderadultsandadultswithhigherincomes.Whilefulfillmentalsovariesbygender,maritalstatus,raceandethnicity,

analysisshowsthatthisvariationisstillpredominantlyexplainedbyageandhouseholdincome.

FIGURE1

FinancialFulfillmentbyDemographicGroup

%Financiallyfulfilled

HouseholdIncome

33

10

21

23

37

5

1014

31

43

<$20,000$20,000-$34,999

$35,000-$84,999$85,000-$134,999$135,000-$174,999$175,000+

Generation

GenZ(age21to29)*Millennials(age30to46)

GenX(age47to61)

BabyBoomers(age62to80)

Traditionalists(age81andolder)

*SampledoesnotrepresentallofGenZ,onlythoseaged21orolder.

Thesepatternslikelyreflectdifferencesinfinancialstabilityandlifestage.

Olderadultshavehadmoretimetobuildsavings,recoverfromsetbacksandestablishfinancial

direction.Higher-incomeadultstypicallyhave

moreflexibilitytoabsorbunexpectedcostsandrespondtofinancialpressure.

Gender

1320

6

7

12

23

8

9

1820

Female

Male

MaritalStatus

Singleandneverbeenmarried

Livingwithpartner

Divorced

Married

RaceandEthnicity

Black

Hispanic

Asian

White

Atthesametime,incomeandagedonotfullyexplain

financialfulfillment.Evenwithinsimilardemographicgroups,adultsdifferinhowmanageabletheirfinancesfeel,howmuchcontroltheyhaveandwhethermoneyishelpingthemmovetowardthelifetheywant.For

example,twoadultswithsimilarincomesandlevelsofdebtmayexperiencetheirfinancesverydifferently,

dependingonwhethertheyhaveaclearplan,feel

confidentintheirdecisionsorhaveaccesstoguidanceinmanagingtheirdebt.

Conflicted45

Fulfilled

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FinancialFulfillmentIsStronglyLinkedtoOtherPositiveLifeOutcomes

Theimportanceoffinancialfulfillmentextendsbeyondthemoredirectfinancialbenefitsitisassociatedwith.Feelingmoresecure,confidentandlessstrainedisassociatedwithmeaningfuldifferencesinhowAmericansexperiencetheirlives.

Amongfinanciallyfulfilledadults,83%arethriving,

meaningtheyrateboththeircurrentandfuture

liveshighly.Thatsharefallsto52%amongfinanciallyconflictedadultsand18%amongfinancially

stressedadults.

Thegapbetweenstressedandfulfilledislarge,butthe

shiftfromstressedtoconflictedisalsomeaningful.Adultsintheconflictedgrouparefarmorelikelytobethriving

thanthosewhoarefinanciallystressed,reinforcingthatevenmoderatemovementawayfromfinancialstrainisassociatedwithrealimprovementsinwell-being.

FIGURE2

FinancialFulfillmentIsStronglyAssociatedWithLifeEvaluation

%Suffering%Struggling%Thriving

3

17

1814

Stressed

52

83

68

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Furtheranalysisshowsthattherelationshipbetween

financialfulfillmentandwell-beingisnotsimplya

measureoffinancialresourcesorageneralstateof

havingpositiveemotions.Instead,itextendsacross

multiple,distinctareasoflife,evenafteraccountingforage,networth,householdincomeandself-reported

creditworthiness.6

FinanciallyfulfilledAmericansarenearlysixtimes

aslikelytoratetheirmentalhealthasverygoodor

excellentcomparedwiththosewhoarefinancially

stressed(74%vs.13%)andfourtimesaslikelytorate

theirphysicalhealthasverygoodorexcellent(52%vs.

13%).Theyarealsomorelikelytofeelconnectedtotheircommunitiesandreportstrongerrelationships.

FIGURE3

TheConnectionBetweenFulfillmentandWell-BeingExtendsAcrossMultipleAreasofLife*

StressedConflictedFulfilled

Wouldyousayyourphysicalhealth,

13%

30%

52%

ingeneral,is...?

(%Verygood+excellent)

Wouldyousayyourmentalhealth,

ingeneral,is...?

(%Verygood+excellent)

13%

43%

74%

Health

Myneighborhoodisagreatplacefor

meandmyfamily.

(%Completelyagree)

19%

38%

68%

Community

Ifeelastrongsenseofcommunity

inmyneighborhood.

(%Completelyagree)

9%

●

16%

●

34%

Onascaleof0-10,howwouldyouratethequalityofyourrelationshipwithyourchildrenoverall?

(%9+10)

43%

61%

70%

Onascaleof0-10,howwouldyou

ratethequalityofyourrelationship

withyourspouseorromanticpartner?

(%9+10)

32%

53%

69%

Relationships

*Therelationshipbetweenfinancialfulfillmentandallreportedoutcomesissignificantwhencontrollingforage,income,networthandself-reportedcreditworthiness.

Acrossthesemeasures,financiallyconflictedadultsconsistentlyreportoutcomesthatfallbetweenthestressedandthefulfilled.Thispatternreinforcesacentralfinding:Movementawayfromfinancialstressisassociatedwithmeaningfulgainsinday-to-daywell-being,evenbeforereachingfullfinancialfulfillment.

6SeeMethodology:FulfillmentMeasureValidation.

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FinancialFulfillmentinTheirOwnWords

Male,Age34,Wisconsin

Financiallystressed

ONHISFINANCIALSITUATION

“We’redoingokay,butifanemergencycomesup,thatwouldbereallyhard.…Itisoneofthosethingsthatisalwaysinthebackofyourhead.”

ONEVERYDAYDECISIONS

“Itimpactsoureverydaypurchasesalot.…MywifeandIhavebeen

cuttingbackongrocerieseven,especiallybeef.”

ONGETTINGTHROUGHIT

“Asidefromcuttingbackonspending,I’vepickedupasecondjobto

offsetcosts.”

LOOKINGAHEAD

“ThefirstthingI’ddoissetupan

emergencysavingsfund.Andthen

mybiggestfinancialgoalistoonedaybuyahouse.”

Female,Age54,Missouri

Financiallyconflicted

ONHERCURRENTFINANCIALSITUATION

“Iwouldsaywearestable,butwehaveconcernswiththewaythe

economyisgoing.Thisisanewerchallengeforus.I’dsayit’sgottenworseinthelastthreetofourmonths,justwithworldeventsandgasprices,andpriceincreasesjustnotcomingdown.”

ONHOWTHESECHALLENGESHAVEIMPACTEDDAYTODAY

“Wedecidedtoforgoourannualvacationthisyear,whichwasareallyharddecision.Butwewantedtofocusonpayingoffsomebillsearlythatareclosetobeingpaidoffinstead.”

WHATSHE’SBEENDOINGTODEALWITHTHE

FINANCIALBURDENS

“Werefinancedourcartogetalowerinterestrate.Wealsoaremuchmoreconscientiousaboutwherewegoouttoeat;alotofmore

expensiveplaceswedon’tgotoatallanymore.Andthenwe’retryingtopaythosebillsoffearlytofreeupextrafunds.”

WHATSHEWOULDDOONCESOMEBURDENLIFTS

“Well,firstwewouldrebookthetripbecausewearen’tgettingany

younger!AndthenI’dalsoliketotakeourgrandchildrenonmore

outingsandmoreminivacations.We’dalsowanttorebuildour

savingsaccount,forsure.Wehavealotofambitions,butwedon’t

wanttodoanythingrightnowthatwouldriskthestabilitywedohave.”

Male,Age30,Michigan

Financiallyfulfilled

ONHISFINANCIALSITUATION

“Twowordscometomind:secureandfortified.”

ONHOWHEGOTHERE

“IthinkitwasacombinationofthewayIwas

raisedandalotofluck.…IwasraisedtonotbuythingsIcan’tafford,toalways‘payyourselffirst.’”

WHATSECURITYFEELSLIKEDAYTODAY

“Forme,itislessaboutaffordingluxuries,andmoreso

knowingthatifIlostmyjobtomorrow,Icouldstillpaymymortgageforthenextfewmonths.”

WHATBRINGSHIMPRIDE

“Iamgettingmarriedinthefall.…Itbringsmealotofpridetoknowthatifshewantedto,myfiancéecouldstayhomewithoutushavingtomakeatonofsacrifices.”

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FinanciallyFulfilledAmericansPlan,

PrioritizeandSeekGuidanceDifferently

Financialfulfillmentisevidentnotonlyinhowpeoplefeelbutalsoinwhattheyprioritizeandhowtheynavigatetheirfinanciallife.

Recentfinancialeventshelpexplainpartofthesedifferences.Financiallystressedadultsaremore

thantwiceaslikelytoreportalargeandunexpected

expenseinthepastyear(53%vs.21%amongfulfilled

adults)andfarmorelikelytoreportasignificantdeclineinwealthornetworth(44%vs.4%).Financiallyfulfilledadults,incontrast,aremorelikelytoreportincreasesinwealthornetworth(38%vs.7%).

Differencesarealsoevidentinfinancialpriorities.

Financiallystressedadultsaremorelikelytorate

reducingdebtandincreasinghouseholdincomeas

“veryhigh”or“high”priorities,whilefinanciallyfulfilledadultsmoreoftenindicatecharitabledonationisahighpriority.Thesepatternsholdevenwhenaccountingforage,incomeandnetworth.

FIGURE4

FulfilledAdultsMoreLikelytoPrioritizeCharitableGiving;FinanciallyStressedAdultsFocusonDebtReductionandIncomeGrowth

Howmuchofapriority,ifatall,arethefollowingfinancialgoalstoyouatthispointinyourlife?

(%Veryhighorhighpriority)

StressedConflictedFulfilled

Havingincomeforhealthylifestyle

56

53

53

Reducingdebt

65

48

18

Havingmoneytobuythings

57

45

38

Havingdisposableincomeforexperiences

45

46

52

Increasinghouseholdincome

67

41

17

Increasingonthereturnonmysavings

44

45

43

Savingforretirement

43

47

36

Planningforhealthcarecosts

49

36

31

Savingforothermajorlifeevents

37

28

15

Savingforchildren'sorgrandchildren'sfuture

29

25

18

Helpingfamilywithexpenses

32

24

14

Leavinganinheritance

21

21

21

Payingoffamortgage

22

22

15

Savingforahome

26

19

7

Donatingtocharityorfaith-basedorganizations

12

18

27

Renovatingahome

17

16

10

*Responseoptionsareorderedbyrateofbeingindicatedasaveryhighorhighpriorityamongallrespondents.

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Financialcircumstancesshapewhatispossible,butfulfillmentisalsoassociatedwithmeaningfuldifferencesinfinancialplanning.Financiallyfulfilledadultsaremorelikelytohaveemergencysavings,setasidefundsformajorexpensesandmaintainafinancialplanforretirement.Whileincomeandnetworthinfluencetheabilitytobuildtheseresources,theseplanningbehaviorsremainlinkedtofulfillmentevenafteradjustingforage,

incomeandnetworth.

FIGURE5

AccountingforDifferencesinAgeandNetWorth,FinanciallyFulfilledAdultsMoreOftenEngageinFutureFinancialPlanning

Doyouhaveanyofthefollowing?(Selectallthatapply,%selected)

Stressed●Conflicted.Fulfilled

Emergencysavings

45

●

79

●

98

Abudgetorplanforhowyouwillspendyournextpaycheck

5668

.●

76

●

Afinancialplanforyourretirement

35

64

91

Lifeinsurance

496265

Savingsforamajorexpenseorlifeevent

24

56

88

Disabilityinsurance

3037

44

1836

66

Awillorestateplan

Financialfulfillmentisalsoinformedbywhetherpeople

havesomeonetoturntoforguidanceandsupport.LessthanhalfofAmericans(48%)saytheyhavesomeonetheycouldrelyonforfinancialsupport,andthataccessdiffersmeaningfullyacrossfulfillmentlevels,rangingfrom35%

amongfinanciallystressedadultsto59%amongthosewhoarefulfilled.

Thesedifferencesextendtosourcesofguidance.WhilemostAmericansrelyontheirowninternetresearch(73%),financiallyfulfilledadultsarefarmorelikelytohavesoughtguidancefromaprofessionalfinancialadvisorinthepastyear(60%vs.14%amongstressedadults).Inacontrolledanalysisaccountingforage,gender,networthand

householdincome,financialadvisorshadthestrongest

positiveassociationwithfinancialfulfillmentamongall

sourcesofguidance,includingbutnotlimitedtopersonalresearch,relatives,friends,newsorsocialmedia,and

artificialintelligence.

InadditiontowhomAmericansreceivefinancialguidancefrom,howmuchtheytrustvariousfinancialsourcesis

alsolinkedtofulfillment.Inanotheradjustedanalysis,

confidenceinfinancialadvisorshadthestrongestpositiverelationshipwithfulfillment,whileconfidenceinother

sourcesincludingfinancialsocialmediainfluencersandartificialintelligencehadnoimpactonfulfillment.

Theoverallpatternreflectsajourney.Forfinancially

stressedadults,themostpressingprioritiesare

foundational,includingreducingdebt,increasingincomeandbuildingthestabilityneededtomoveforward.

WhenAmericansnavigateupthefulfillmentspectrum,theirfocustendstobroaden.Financiallyfulfilledadultsaremorelikelytoprioritizestewardshipandpurpose,

includingmanagingmoneyresponsiblyandmakingadifferencewiththeirmoney.Thisdoesnotreplacefoundationalprioritiesbutinsteadbuildsuponthem.

MoneyandMeaning|UnderstandingFinancialFulfillment2026UNITEDSTATESREPORT

Conclusion

Financialfulfillmentin