金钱与意义：理解财务满足感

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, trademarkand trade secret protection safeguard the ideas, concepts and recommendations related within thisdocument. 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 theexpress written permission of Gallup, Inc. 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 trademarksowned or controlled by Gallup, Inc. No changes may be made to this document without the express written permission of Gallup, Inc. Gallup®is a trademark of Gallup, Inc. All other trademarks and copyrights are property of their respective owners. Table of Contents 2Introduction 4Financial Fulfillment Reflects More Than Income and Wealth 6Most Americans Fall Between Financial Stress and Fulfillment 8Financial Fulfillment Is Strongly Linked to Other Positive Life Outcomes 10Financial Fulfillment in Their Own Words 11Financially Fulfilled Americans Plan, Prioritize and Seek Guidance Differently 13Conclusion 14Methodology 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 asense of progress. It can also bring uncertainty andstrain. In many cases, Americans feel both progressand pressure at the same time. Financial fulfillmentrepresents abroader sense of security and resiliencethrough life’s ups and downs, along withconfidence that financial decisionstoday will support what matters most topeople both now and in the future. 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 multiyearpattern in which more Americans feel their financialposition is declining rather than improving.2 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 aboutmoney (38%), and more time with family and friends(35%). Financial fulfillment is tied not only to financialstability but also to choice, confidence and the ability tomove through life with greater freedom. 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, butis more closely associated with overall well-being, likelybecause it captures the emotional aspects of financiallife, as well as how closely financial decisions align withvalues. Thus, fulfillment is more than wealth. It connectsobjective financial conditions to meaning, purpose andfeelings about money. 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, fulfillmentmore closely predicts life outcomes and well-being compared with wealth alone. Money, for most Americans, is notan end in itself. When asked whatthey do with their money that bringsthem joy, Americans overwhelminglypoint toexpe