金钱与意义：理解财务满足感——价值观与情绪如何塑造我们与金钱的关系

Money and Meaning:Understanding How values and emotions shape our relationship with money C O P Y R I G H T S TA N D A R D S This document contains proprietary research, copyrighted and trademarked materials of Gallup, Inc.Accordingly, international and domestic laws and penalties guaranteeing patent, copyright, trademark The materials contained in this document and/or the document itself may be downloaded and/or copied provided that all copies retain the copyright, trademark and any other proprietary noticescontained on the materials and/or document. No changes may be made to this document without the Any reference whatsoever to this document, in whole or in part, on any webpage must provide a linkback to the original document in its entirety. Except as expressly provided herein, the transmission of thismaterial shall not be construed to grant a license of any type under any patents, copyright or trademarks No changes may be made to this document without the express written permission of Gallup, Inc. Gallupis a trademark of Gallup, Inc. All other trademarks and copyrights are property of their respective owners. Table of Contents 2Introduction4Financial Fulfillment Reflects More Than Income and Wealth6Most Americans Fall Between Financial Stress and Fulfillment8Financial Fulfillment Is Strongly Linked to Other Positive Life Outcomes10Financial Fulfillment in Their Own Words11Financially Fulfilled Americans Plan, Prioritize and Seek Guidance Differently13Conclusion14Methodology Introduction In the first quarter of 2026, 63% of Americans saidthey have “often” or “always” felt gratitude in thelast 30 days1when thinking about their finances,while 36% have felt stress. Financial life in theUnited States can bring stability, possibility and a Financial fulfillmentrepresents a broader sense of security and resiliencethrough life’s ups and downs, along withconfidence that financial decisions This tension reflects a broader financial reality. While46% of Americans rate their current financial situationas “excellent” or “good,” a larger share (55%) say theirfinances are getting worse, continuing a multiyear Edward Jones has exploredfinancial fulfillmentas away to better understand how Americans’ financialcircumstances and perceptions shape their overall lifeexperience. In Pulse of North America,3which includedresponses from Canadians and Americans, Edward Jonesfound that financial fulfillment is most often understoodas freedom to pursue passions (47%), less stress about To deepen the understanding of financial fulfillmentand how it affects Americans’ lives, Edward Jones andGallup partnered to study a nationally representativesample of 5,075 U.S. adults aged 21 or older. Together,they created a measure of financial fulfillment basedon 37 validated items, using a highly reliable scale. ThisFinancial Fulfillment Scale is related to existing, validatedconcepts, including the U.S. Consumer FinancialProtection Bureau (CFPB) Financial Well-Being Scale, but The study reveals that 16% of Americans have achieved high financial fulfillment, while twice as many, 32%, are ina state of financial stress. The largest group (51%) falls in between. For many adults, financial life includes signs ofprogress alongside ongoing tradeoffs to build financial security and feelings of control. Where Americans fall on the spectrum of fulfillment matters. Adults with higher financial fulfillment are far morelikely to be thriving in life, to rate their physical and mental health positively, and to feel stronger connection in theirrelationships and communities. Those differences remain meaningful even when accounting for net worth, age,income and other demographic factors, which are less predictive of well-being than fulfillment. Indeed, fulfillment Money, for most Americans, is notan end in itself. When asked whatthey do with their money that bringsthem joy, Americans overwhelmingly Yet, for the one in three Americans who arefinanciallystressed,thepathtowardamorefulfilledfinanciallifeoftenbeginswithmoreimmediate goals:reducing debt, increasing These are often the first steps along a broadercontinuum, where financial fulfillment is not afixed destination but something that shifts overtime as circumstances and priorities change. This Financial fulfillment is less about a number andmore about what money makes possible. Financial Fulfillment ReflectsMore Than Income and Wealth Financial fulfillment is a state in which finances feel aligned with what matters most.It captures notonly financial security but also whether money creates freedom, confidence and forward momentumrather than ongoing strain. At its core, it captures whether finances support the life a person wants to To measure this concept, Edward Jones and Gallup examined 37 items collected on the survey that measuredvarious aspects of Americans’ financial lives, emotional experiences and confidence related to money. Afactor analysis of these 37 elements uncovered tha