Get Out of Your Head… It's Time to Fix What’s Not Working Financially

Sep 2
3 min read

If you’re feeling stuck, like life is moving past you while bills pile up, savings stall, and dreams fade, you’re not alone.

The Emotion Behind the Numbers

According to a recent Wall Street Journal–NORC poll, just 25% of Americans believe their standards of living can improve, a record low since 1987. Nearly 70% feel the American Dream is slipping away.

Meanwhile, stress is everywhere. In 2025, 92% of Americans report feeling stressed, and finances rank as the number one source of that pressure. This anxiety isn’t abstract; it’s sleepless nights, strained relationships, and mental fog clouding every decision.

The Pressure of a Shifting Reality

Homeownership, the once-predictable milestone, is no longer within reach for many. 77% say it's harder now than ever, thanks to home prices soaring 60% since before the pandemic. High mortgage rates and an inventory crisis make it feel impossible. Gen Z, watching this unfold, is pivoting into investments, not real estate. Nearly a quarter of young adults are now putting their trust and money into the stock market and index funds instead.

Debt, too, is choking growth. Household credit-card debt has soared above $10,000, the highest since 2009. Buy-now-pay-later services are surging, often for groceries, an ominous sign that many are financially maxed out.

But the Grass Isn't Greener in Denial

The pain of inaction, that feeling of being “financially frozen,” is real. A recent study found that over half of Americans are overwhelmed and unsure how to move forward.

There’s a stark difference between knowing you have a problem and doing anything about it. And doing anything, no matter how small, is better than doing nothing.

Why It’s Time to Act (Even One Step at a Time)

Inflation is your top financial worry (51% say it’s the №1 barrier to security).
80% of Americans are terrified they won’t hit their financial goals.
Even amid uncertainty, “revenge saving” is rising; 44% of Americans are increasing their savings, including 59% of Gen Z.
Every smart move matters: building an emergency fund, tracking spending, or paying off high-interest debt builds momentum even if you start small.

Here's What You Can Do Starting Now

Face the situation, open your bank account. Look at your balance. That’s your starting point.
Make one micro-commitment: set aside $20, save 10%, or journal a financial goal. Even small discipline matters.
Learn, don’t compare, skip the social media envy. Focus on real advice from credible sources, not flashy headlines.
Talking to people, even sharing fears with friends or a coach, can dissolve shame and spark accountability.
Plan for tomorrow, not just today, whether through investing, retirement planning, or saving for emergencies, begin building your peace.