Nashville, Tennessee, Aug. 04, 2025 (GLOBE NEWSWIRE) — Halfway through 2025, Americans are feeling conflicted about their finances. According to the latest State of Personal Finance report from Ramsey Solutions, 1 in 3 Americans say they’re currently struggling or in crisis with money. Yet despite that, overall money stress has fallen to its lowest point in two years.
The Q2 2025 report reveals a clear contradiction: Fewer people are losing sleep over money, but worries about the economy, debt and retirement continue to weigh heavily on many households.
The study found millennials are the most optimistic generation, with 25% feeling hopeful about their finances. In contrast, Gen Z is having the hardest time, with more than half having trouble with bills (55%) and rent (53%). Gen X shares Gen Z’s high stress levels, partially due to concerns about retirement, while baby boomers feel the most in control of their money and report the lowest financial stress of any generation.
“It’s great that money stress is easing, but the reality …