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National Survey: Middle鈥慖ncome Americans Continue to Navigate Elevated Cost of Living and Economic Uncertainty

Concerns over money and finances remains at a near-record high

DULUTH, Ga.--(BUSINESS WIRE)-- Middle鈥慽ncome Americans are still adjusting to a higher cost of living and ongoing financial pressures, according to the latest Primerica^庐 U.S. Middle鈥慖ncome Financial Security Monitor鈩� (FSM鈩�). The survey finds that 65% of middle-income Americans believe their income has not kept pace with rising expenses 鈥� a sentiment that has remained remarkably consistent for more than four years, highlighting the challenges families feel as prices outpace paychecks.

鈥淢iddle鈥慽ncome families are making tough decisions every day to cover the essentials and save for the future, and it continues to shape how they perceive the overall economy, with many feeling less confident and more cautious about what lies ahead,鈥� said Glenn J. Williams, CEO of Primerica. 鈥淭hat makes it even more important for families to seek sound financial advice. A financial professional can help families find the money in their budgets, reprioritize expenses and build a realistic path to save for the future. Even starting with a small amount can make a significant difference over time.鈥�

Middle鈥慽ncome Americans continue to rate the economy poorly. More than three-quarters (80%) rate it negatively 鈥� a figure that has remained consistent over the past year. Amid ongoing economic uncertainty, a strong majority (83%) say they want to take steps to protect themselves financially for the long term 鈥� yet only 36% are actually doing so.

鈥淭he data shows how hard middle鈥慽ncome families are working to stay afloat in an increasingly uncertain economic landscape,鈥� said Amy Crews Cutts, Ph.D., CBE^庐, economic consultant to Primerica. 鈥淲hile sentiment shifts slightly from quarter to quarter, concerns about rising costs and financial stability remain top of mind for many households.鈥�

Additional key findings from Primerica鈥檚 Q2 2025 U.S. Middle-Income Financial Security Monitor鈩� (FSM鈩�):

• Middle-income Americans remain stressed at near record-high levels. A majority (61%) continue to report feeling 鈥渟tressed鈥� about money and finances, with nearly half (45%) saying they feel 鈥渄iscouraged.鈥� Those who use a financial professional are less likely to say they are stressed and discouraged and more likely to say they are 鈥渃onfident鈥� or 鈥減roud.鈥�
• Credit cards increasingly serve as a financial lifeline. About 39% of middle-income Americans say they have increased their credit card use, an 11鈥憄oint rise from Q1 2025 and the highest level recorded since early 2023. Meanwhile, just 32% pay their credit card balance in full each month, and 60% say their credit card debt has increased or remained the same.
• Many feel underprepared, increasingly concerned about retirement. Nearly two-thirds (鈥嬧��63%) do not believe they are saving enough to retire comfortably, and 39% aren鈥檛 participating in an employer鈥憇ponsored retirement or life insurance benefit, citing affordability as the primary barrier.
• Saving for the future remains a challenge for most. Nearly three-quarters (71%) of middle-income Americans rate their ability to save for the future negatively, and nearly 40% report only having enough money to cover basic needs for one month or less should the primary breadwinner in their household lose their job.

Primerica Financial Security Monitor鈩� (FSM鈩�) Topline Trends Data

About Primerica鈥檚 Middle-Income Financial Security Monitor鈩� (FSM鈩�)

Since September 2020, the Primerica Financial Security Monitor鈩� has surveyed middle-income households quarterly to gain a clear picture of their financial situation, and it coincides with the release of the monthly HBI鈩� four times annually. Polling was conducted online from June 2-5, 2025. Using Dynamic Online Sampling, Change Research polled 1,241 adults nationwide with incomes between $30,000 and $130,000. Post-stratification weights were made on gender, age, race, education and Census region to reflect the population of these adults based on the five-year averages in the 2021 American Community Survey, published by the U.S. Census. The margin of error is 3.0%. For more information visit .

About Primerica, Inc.

Primerica, Inc., headquartered in Duluth, GA, is a leading provider of financial products and services to middle-income households in North America. Independent licensed representatives educate Primerica clients about how to better prepare for a more secure financial future by assessing their needs and providing appropriate solutions through term life insurance, which we underwrite, and mutual funds, annuities and other financial products, which we distribute primarily on behalf of third parties. We insured over 5.5 million lives and had approximately 3.0 million client investment accounts on December 31, 2024. Primerica, through its insurance company subsidiaries, was the #3 issuer of Term Life insurance coverage in the United States and Canada in 2024. Primerica stock is included in the S&P MidCap 400 and the Russell 1000 stock indices and is traded on The New York Stock Exchange under the symbol 鈥淧RI鈥�. For more information, visit .

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Source: Primerica, Inc.