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How confident do you feel about your financial future?
November 11, 2026
How confident do you feel about where you are on your financial journey? It’s not just about how much you earn or have saved. Financial confidence comes from knowing where you stand, knowing what steps you can take and feeling prepared to move toward the goals that matter to you.
Think about your own finances for a moment. Do you feel like you’re on the right track? And do your day-to-day financial choices reflect that feeling?
Those two things don’t always line up. Voya’s America’s Financial Confidence Index™ looks at both how American workers feel about their finances and what they’re actually doing to pursue their financial goals. On average, workers scored 67 out of 100 for financial confidence, but 62 out of 100 for financial behaviors.
That five-point difference highlights an opportunity: turning the confidence we feel into actions that can help strengthen our financial future.
Take a quick confidence check
Voya’s America’s Financial Confidence Index™ looks at six “jobs to be done” to understand what behaviors drive financial confidence and a sense of financial well being.
Ask yourself, how confident do you feel about your ability to:
- Manage your everyday expenses?
- Handle an unexpected expense?
- Pay down debt?
- Protect yourself and the people who depend on you?
- Enjoy your life today while still preparing for tomorrow?
- Build long-term financial security?
As you look at the list, choose one or two areas that feel most important to you right now. Maybe it’s preparing for an unexpected expense or making more progress toward retirement. Start there. Focusing on a few priorities can make taking that next step feel more manageable.
Turn confidence into action
Once you’ve identified the one or two areas you want to focus on, the next step is finding the information and guidance that can help you move forward. Through Voya, you can explore the Learn Library, participate in Learn Live seminars, or get 1:1 personalized guidance to help you focus on what matters most to you.
The research suggests that education and guidance can play an important role. Workers who actively use workplace financial education scored 71 on financial behaviors versus 59 for those who don’t, while those who work with a financial professional scored 69 versus 57.
Ready for your next step?
You don’t have to tackle every financial goal at once. Start with what matters most to you, then explore Voya Learn for information and resources that can help you take your next step with confidence.
Image 1 transcript: Americans feel more financially confident than their behavior supports. American workers average 67 out of 100 for financial confidence versus 62 out of 100 for financial behavior, creating a five-point confidence gap.
Image 2 transcript: Education and guidance can help strengthen financial behaviors. Workers who use workplace financial education score 71 out of 100, versus 59 for those who don’t. Workers who work with a financial professional score 69, versus 57 for those who don’t.
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Financial Professionals are investment advisor representatives and/or registered representatives of, and securities and investment advisory services are offered through Voya Financial Advisors, Inc. (member SIPC). Investment advisory services are only offered through investment advisor representatives of Voya Financial Advisors.
Voya Learn education is provided by registered representatives of Voya Financial Partners, LLC (member SIPC) or Voya Financial Advisors, Inc.
About America’s Financial Confidence Index™ (AFCI)
This information is not intended as investment, tax or legal advice. Employers must consider the appropriateness of the investments and plan services offered to its employees. All investing involves risk, including the loss of principal. There is no guarantee an investment, investment strategy or managed portfolio will meet its stated objective. Products and services offered through the Voya® family of companies. Statistics cited are drawn from Voya’s America’s Financial Confidence Index™ (AFCI), 2026.
America’s Financial Confidence Index (AFCI)™ is a proprietary workplace financial confidence benchmark developed by Voya Financial. The index measures whether U.S. employees are doing the concrete behaviors that lead to financial confidence.
The index is built around six financial goals: absorbing the unexpected, keeping life stable, securing the future, protecting against what could go wrong, getting out of debt and being able to live life today. Each person is scored on how many of the steps behind these goals they are taking, with the goals that matter most to them carrying the most weight. Those individual results combine into a single national score from 0 to 100. A score of 100 would mean people are doing everything they can to drive their financial confidence, while a score of 50 means they are doing about half of the things that contribute to their financial confidence.
What makes the AFCI different is that it is personalized: Each person is measured against the goals they care about most, not a one-size-fits-all checklist.
Fielding details: The index is based on a 20-minute online survey conducted between June 22 and July 5, 2026, among 4,097 employed U.S. adults who are benefits-eligible, ages 25 to 64, with a minimum household income of $50,000. All participants are actively contributing to a workplace retirement plan with a balance of at least $1,000.
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