今年, Americans have experienced a wide range of emotions and circumstances in so many areas of their lives—including their finances. 随着社会的发展, 政治, 2019冠状病毒病大流行加剧了经济动荡, 人们的理财习惯, 情绪, 目标当然改变了——但改变的幅度有多大?

作为了解美国人财务目标努力的一部分, 准备, 以及对他们创造安全金融未来的能力的感受, 合乐888登录注册最近推出了合乐888登录注册财富观察(合乐888登录注册 Wealth Watch), a recurring survey that provides a real-time pulse on the state of finances in America. This inaugural survey builds on a deep bench of research previously conducted by 合乐888登录注册. The newly-released results highlight trends that emerged during the past year as a result of the 新型冠状病毒肺炎 pandemic. 

The survey of a national sample of 2200 adults found people feeling cautiously optimistic. 与去年相比, Americans feel more confident in their ability to meet their short-term financial goals—such as their ability to pay their monthly bills, 保持他们的储蓄, 并进行所需或期望的购买.

在这些金融松了一口气的同时,一些担忧依然存在. 长期目标, 包括偿还学生贷款, 按时退休, 而且付首付对很多人来说还是遥不可及.

The pandemic economy forced Americans to focus on their short-term financial goals

去年3月, 由于失业, 股票市场的变化, 和改变生活方式, 美国人对自己的财务状况感到不确定. 一年之后, 事情已经稳定, and Americans are more confident in their ability to pay their monthly bills (73% confidence in March 2021 vs. 2020年3月53%的信心). Of the adults who reported short-term financial goals of paying for a vacation or paying off credit card debt, 66%和62%, 分别, 现在,他们有信心实现这些目标.  

A majority (67%) of adults reported that they received a stimulus check to supplement their income in the past year. Nearly half of respondents (45%) put this extra income most often toward daily expenses.

However, the focus on near-term expenses only added strain to the long-term financial outlook. More than half of respondents (53%) stopped or reduced their student debt payments during 新型冠状病毒肺炎, and half of these respondents shifted the money previously allocated to student loan payments towards daily living expenses (49%). Only 35% of adults who indicated paying off student debt as a goal are confident in their ability to do so.

对退休储蓄的信心, 在大流行之前是低的, 一年后仍然很低, with a majority of Americans (52%) having little to no confidence that their retirement savings could last their lifetimes.

But with some stability restored in the short-term, now is the time to start looking ahead.


大流行引发的财政不确定性影响到所有年龄组, Millennials’ interest in seeking guidance from a financial professional distinguishes them from other generational cohorts. Forty percent of Millennials indicated that 新型冠状病毒肺炎 has made them more likely to seek assistance from a financial professional when updating their financial strategies, 相比之下,只有24%的成年人这么做.

在一般情况下, Millennials report slightly higher levels of confidence than the aver年龄 adult in their ability to meet long-term goals, 包括偿还学生贷款, 信用卡账单, 医疗债务, 汽车融资, 及其他个人贷款. 有趣的是, Millennials are also twice as likely as the aver年龄 adult to be saving to start their own businesses in the near future (18% vs. 9%).

也许比其他任何一代人都多, Millennials may be ready and willing to assert control over their short- and long-term financial goals, and it is critical for this generation to develop a strategy that can help them achieve their goals.


在大流行开始时, most Americans did not feel confident in their ability to purchase a home—nor did they feel that buying a home was a relevant piece of their financial strategies. 一年之后,郊区住房繁荣,情况发生了变化. 现在, 31% of adults feel confident in their ability to buy a home (compared to 13% in March 2020), with only 37% reporting that buying a home is not a relevant financial goal (vs. 2020年3月60%).

对购房的看法显示出人口统计学上的差异. 比一般成年人更甚, Millennials indicated that they are saving up for a down payment on a home (25% vs. 14%). 在一般情况下, 拉美裔, 黑色的, and Asian-American respondents expressed more confidence in their ability to buy a home (29% of white respondents vs. 41% of 拉美裔 respondents, 38% of 黑色的 respondents, and 37% of Asian-American respondents*).

在这一年里,社会的各个方面都暴露出了不平等, 平等获得金融工具和计划, 无论年龄, 性别, 或种族, 是我们的首要任务吗.


今天的生活看起来与去年不同, 事情可能永远不会回到大流行前的“正常状态”.“在大流行开始一年后, 我们看到了金融乐观主义的曙光, even as most adults still stress the need for long-term planning and security.

If the pandemic has proved anything, it’s that nothing is certain and being prepared is important. Understanding your financial strategy and priorities can make a material difference down the road to provide protection should challenging circumstances arise. 通过定义和努力实现你的目标, 在一位值得信赖的金融专业人士的帮助下, Americans can instill a level of stability and peace of mind that can withstand whatever may lie ahead.

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This poll was conducted between March 19-March 24, 2021 among a national sample of 2,200 adults. The interviews were conducted online and the data were weighted to approximate a target sample of adults based on 性别, 受教育程度, 年龄, 比赛, 和地区. Results from the full survey have a margin of error of plus or minus 2 percent年龄 points.

1 NB: AAPI responses are not included due to the AAPI respondent sampling number being statistically insignificant.

*脚注:亚裔美国人的调查结果在本质上是定向的, due to a sample size of 62 and a margin of error of plus or minus 12 percent年龄 points.

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