For the 2025 Money Study, Wells Fargo surveyed thousands of Americans to gain a deeper understanding of how they think, feel, and act with their money.
On behalf of Wells Fargo, Versta Research conducted a national survey of 3,657 U.S. adults and 203 U.S. teens age 14 to 17. Sampling was stratified, and data were weighted by age, gender, race, ethnicity, income, and education to achieve accurate representation of the current population based on estimates from the U.S. Census Bureau. The survey was conducted from September 5 to October 4, 2024. Assuming no sample bias, the maximum margin of error for full-sample estimates is ±2%.
57% of Americans say they sometimes judge themselves based on their money.
56% of Americans are keeping their finances a secret, and 88% say everyone should have a secret reserve of money for themselves just in case.
say it’s a good time
to save
feel now is a good time
to invest
are putting more into
savings and investments
are feeling more nervous about debt
have more debt than they comfortable with
are sick of hearing they need to pay down debt
report growth despite
economic pressures
are finding more cost-efficient ways to operate
say their personal finances are enmeshed with their business finances
say it’s a good time to save
feel now is a good
time to invest
are putting more into
savings and investments
Managing debt
are feeling more
nervous about debt
have more debt than they
feel comfortable with
are sick of hearing they
need to pay down debt
Business insights
report growth despite
economic pressures
are finding more cost-efficient
ways to operate
say their personal finances
are enmeshed with their
business finances
Of surveyed Americans, 83% want to learn new ways of thinking about their money.
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