{"id":397424,"date":"2026-01-09T02:49:25","date_gmt":"2026-01-09T02:49:25","guid":{"rendered":"https:\/\/www.newsbeep.com\/ca\/397424\/"},"modified":"2026-01-09T02:49:25","modified_gmt":"2026-01-09T02:49:25","slug":"eight-out-of-10-americans-fail-on-some-or-all-of-their-financial-new-years-resolutions","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ca\/397424\/","title":{"rendered":"Eight out of 10 Americans fail on some (or all) of their financial New Year\u2019s resolutions"},"content":{"rendered":"\n

There\u2019s no other way to say it; Americans struggle with financial New Year\u2019s<\/a> resolutions.<\/p>\n

A study of more than 2,000 U.S. adults, from debt consolidation firm Beyond Finance, found that a staggering 83 percent of people failed some or all of their financial-related goals<\/a> in 2025, with 38 percent of them ditching their resolutions within three months.<\/p>\n

\u201cJanuary may still feel like a reset, but Americans have stopped believing it leads to lasting financial change,\u201d Beyond Finance Chief Financial Wellness Advisor Dr. Erika Rasure said in a press release<\/a>. \u201cPeople aren’t failing at resolutions because they’re bad at sticking to them, but because goals don’t tend to stick around if they aren’t aligned with a person’s values from the get-go.\u201d<\/p>\n

The study also found that only 19 percent of those who set financial goals<\/a> stuck with them for the entire year.<\/p>\n

\"The The vast majority of U.S. adults fail on some or all of their financial resolutions, often abandoning all of them within three months (Getty Images) <\/p>\n

Beyond Finance\u2019s survey found that, even though resolution failure rates were high<\/a> in 2025, that hasn\u2019t stopped people from setting financial goals for 2026. Nearly half are either making their 2026 financial resolutions or have already made them, according to the survey.<\/p>\n

\u201cDespite widespread frustration with setting traditional resolutions, Americans remain intent on improving their current financial footing,\u201d Beyond Finance noted.<\/p>\n

The top resolutions this year are paying down debt (43 percent), building an emergency fund (14 percent), and cutting back on spending or sticking to a budget (9 percent).<\/p>\n

As for why the majority of Americans failed on all or part of their financial resolutions, Beyond Finance found that what consumers learn about money as children has profound long-term consequences.<\/p>\n

\u201cEarly financial habits are often formed at home, and those lessons tend to last,\u201d Beyond Finance said.<\/p>\n

Early encouragement to save money or budget wisely, family members setting a good financial example, and embracing money management lessons through an allowance were all cited as a big influence on how adults manage their money today.<\/p>\n

The survey also found that around half of consumers are suffering from a critical lack of trust in their ability to make good financial decisions.<\/p>\n

\u201cAt a personal level, consumers aren’t just stressed about finances,\u201d the firm noted. \u201cThey lack confidence in their own judgment.\u201d<\/p>\n

In fact, the survey found that almost half of respondents \u201c\u2018somewhat\u2019 trust themselves to make and follow through on financial decisions,\u201d and more than 25 percent of consumers don\u2019t trust themselves with a credit card.<\/p>\n","protected":false},"excerpt":{"rendered":"There\u2019s no other way to say it; Americans struggle with financial New Year\u2019s resolutions. A study of more…\n","protected":false},"author":2,"featured_media":397425,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[15322,167964,45,49,48,167965,133,167966,9042,131,132,158610],"class_list":["post-397424","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-americans","tag-beyond-finance","tag-business","tag-ca","tag-canada","tag-erika-rasure","tag-finance","tag-finance-chief-financial-wellness-advisor","tag-financial-goals","tag-personal-finance","tag-personalfinance","tag-resolutions"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/397424","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/comments?post=397424"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/397424\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media\/397425"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media?parent=397424"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/categories?post=397424"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/tags?post=397424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}