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Americans Set Their Sights on Financial Resolutions for 2026

According to a recent survey conducted by Vanguard, a staggering 75% of Americans failed to meet their saving and spending resolutions in 2025. Yet, in a surprising turn of optimism, a large majority of respondents are looking forward to a “financial resolution rebound” in 2026. The findings reveal that an overwhelming 84% of Americans have set new financial goals for the upcoming year, with the top priorities being the establishment of emergency funds and leveraging high-yield savings accounts for short-term goals.

Despite this optimistic outlook, not all is straightforward in the financial landscape for Americans. The survey indicates that obstacles vary across generations. For instance, while 29% of Baby Boomers cited unexpected expenses as their primary concern, Millennials (22%) reported income insufficiency as a significant barrier, and Gen Z (15%) often faces challenges from living beyond their means. Additionally, economic uncertainty has emerged as a shared concern among all age groups, with 22% of participants indicating it impacts their capability to save and spend effectively.

Matt Benchener, Managing Director of Vanguard’s Personal Investor business, emphasizes the importance of making informed savings decisions. “Americans are focused on building emergency funds and saving for short-term goals,” he explains. “They need tools and information that will help them achieve their resolutions.” Encouragingly, 82% of individuals surveyed felt somewhat or very confident in their ability to accomplish their financial resolutions in 2026.

Navigating Financial Feelings

When examining how people feel about their financial aspirations, the survey showcases a split in emotions. Confidence (18%) and uncertainty (16%) were the predominant feelings expressed by Americans. Nonetheless, a commitment to enhancing financial well-being shines through, driven by essential motivators such as keeping up with living costs (26%) and being ready for unforeseen expenses (24%).

A positive aspect revealed by the survey is that an impressive 83% of Americans have someone they can discuss their financial goals and dilemmas with. Spouses and family members top this list, highlighting the significance of support networks in navigating financial journeys. Benchener acknowledges that discussing money can feel daunting but stresses the value of sharing and seeking guidance.

“We provide a wealth of educational resources and tools that allow individuals to learn about budgeting, savings, and other key personal finance topics at their own pace,” he notes. For those who need personalized support, Vanguard is committed to making financial advice more accessible and affordable than ever before, tailoring solutions to meet the diverse needs of investors.

Tools for Achieving Resolutions

Vanguard’s Cash Plus Account, offering a competitive yield of 3.50% APY through its Bank Sweep program, stands out as a valuable tool for Americans looking to enhance their savings. Individuals interested in learning more about this account can visit vanguard.com/cashplus.

Beyond specific products, Vanguard also provides educational materials and resources on various personal finance subjects. For insightful information on budgeting and saving techniques, access resources at vanguard.com/investor-resources-education.

Survey Methodology

The findings stem from the Cash and Savings Survey conducted by Big Village, encompassing responses from 1,010 U.S. adults aged 18 and older from October 1, 2025. It utilized quota sampling to ensure a representative demographic reflecting the U.S. population.

About Vanguard

Established in 1975, Vanguard has become one of the foremost investment management firms globally, serving millions of individual investors through various channels including workplace plans. Vanguard operates under an investor-owned structure, ensuring alignment with shareholders' interests. For additional information about Vanguard and its services, visit vanguard.com.

In summary, while 2025 posed challenges for many Americans in adhering to their financial resolutions, the anticipation for a successful financial year ahead in 2026 is palpable. Combining personal determination with available resources and support mechanisms could pave the way for financial improvements and resolutions fulfilled in the coming year.