{"id":4385,"date":"2024-04-18T16:48:40","date_gmt":"2024-04-18T16:48:40","guid":{"rendered":"https:\/\/www.beyondfinance.com\/newsroom\/?p=4385"},"modified":"2024-12-02T22:21:50","modified_gmt":"2024-12-02T22:21:50","slug":"almost-half-of-americans-dont-know-what-a-401k-is-beyond-finance-poll-finds","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/newsroom\/almost-half-of-americans-dont-know-what-a-401k-is-beyond-finance-poll-finds\/","title":{"rendered":"Almost Half of Americans Don\u2019t Know What a 401(k) Is, Beyond Finance Poll Finds"},"content":{"rendered":"\n

A national survey of 2,000 Americans, evenly split by generation, revealed nearly half (43%) of the respondents don\u2019t know what a 401(k) is<\/strong>. The comprehensive survey examined Americans\u2019 financial literacy, commitment to learning and adopting healthy money habits, and feelings regarding their bank accounts and financial futures.<\/p>\n\n\n

\n
\"Americans<\/a><\/figure>\n<\/div>\n\n\n

The study, commissioned by<\/strong> <\/strong>Beyond Finance<\/strong><\/a> for Financial Practice Week and conducted by OnePoll<\/strong>, revealed that despite these startling knowledge gaps, only two in five respondents or  39%, consider themselves more financially literate than the average person.<\/p>\n\n\n\n

The results indicated a significant lack of confidence among respondents regarding their financial literacy, with only 30% believing they could win a game of personal finance trivia. Over a third (35%) confess to not knowing the term \u201cinterest\u201d in a financial context. <\/p>\n\n\n\n

Four in 10 Americans admit they procrastinate when implementing healthy financial habits. Gen Z are most likely to make financial improvements, while millennials are least likely to make changes to improve their finances.<\/p>\n\n\n\n

The top reasons cited for postponing personal finance tasks include stress (25%), feeling their financial health is already poor and can\u2019t get any worse (16%) and forgetfulness (13%).<\/p>\n\n\n\n

The study also reveals that Americans typically check their banking app twice daily. Yet, exactly half of respondents say they feel nervous when opening their banking portal, with Gen Z feeling most uncomfortable (65%) and baby boomers feeling the most calm (26%).<\/p>\n\n\n\n

\n

\u201cUnfortunately, avoiding looking at your finances and making healthy changes is incredibly common,\u201d said Erika Rasure, Ph.D.<\/strong><\/a>, chief financial wellness advisor of Beyond Finance<\/strong>. <\/p>\n\n\n\n

“Some people tend to neglect taking stock of their financial situation, and others can become nervously consumed by it. There\u2019s a middle ground to take when improving your financial health\u2014learn healthy money habits, pay attention and make small, achievable adjustments to your spending and habits.\u201d<\/p>\n<\/blockquote>\n\n\n\n

Regarding budgeting habits, eight in ten respondents try to hold themselves accountable to a monthly budget, with millennials and baby boomers tying for the best-laid financial plans (81%).<\/p>\n\n\n\n

Of those who create a monthly budget, respondents only stick to it 66% of the time on average, with baby boomers exhibiting the highest accountability  (76%) and Gen Z deviating the most from their budgets (58%).<\/p>\n\n\n\n

For those trying to save money, the most popular strategies include buying on-sale items (53%), using coupons and discount codes (47%), limiting spending on clothing (45%) and shopping at discount stores (42%).<\/p>\n\n\n\n

However, a considerable portion of respondents resort to more drastic measures to save money, such as infrequent social outings to bars and restaurants (39%), limited travel or not traveling at all (36%),  rarely or never buying coffee at coffee shops (35%) and rarely or never buying gifts (32%). Notably, 33% of respondents said they never take vacations.<\/p>\n\n\n\n

Financial habits can also influence relationships, as evidenced by nearly four in ten (39%) respondents reporting adverse effects on their relationships due to their or their partner\u2019s unhealthy spending habits.<\/p>\n\n\n\n

A majority of those in relationships (63%) agreed that learning about personal finance as a couple would increase their chances of improving money habits successfully in the future.<\/p>\n\n\n\n

\n

\u201cThe first step in a happier financial future is education,\u201d said Dr. Rasure. \u201cThe more you know about money and personal finances, the more equipped you\u2019ll be to make better decisions and create a plan to meet your goals. That\u2019s why Financial Practice Week is important. We want to encourage people to learn the money habits and practices they\u2019ve been putting off so they can make progress toward a more stable, optimistic future.\u201d<\/p>\n<\/blockquote>\n\n\n\n

For more information about Accredited Debt Relief and Beyond Finance or their superior work with clients to move beyond debt, visit www.accrediteddebtrelief.com<\/a> or www.beyondfinance.com<\/a>. <\/p>\n\n\n\n

Survey methodology:<\/strong><\/h6>\n\n\n\n
This random double-opt-in survey of U.S. adults split evenly by generation (500 Gen Z, 500 millennials, 500 Gen X, and 500 baby boomers) was commissioned by Beyond Finance between Feb. 16 and Feb. 22, 2024. It was conducted by market research company OnePoll<\/a>, whose team members are the Market Research Society members and have corporate membership to the American Association for Public Opinion Research (AAPOR<\/a>) and the European Society for Opinion and Marketing Research (ESOMAR<\/a>).<\/h6>\n\n\n\n
About Beyond Finance, LLC<\/strong><\/h6>\n\n\n\n
Beyond Finance, LLC, based in Houston, is one of the nation\u2019s largest and most influential debt consolidation services and financial technology organizations. By standing alongside clients wherever they are in their debt journey, Beyond Finance uses personalized consolidation services and innovative technology to give them the clarity, confidence and tools they need to move beyond debt. Since 2017, Beyond Finance has moved over 300,000 clients beyond more than $1 billion of debt. In 2024, Beyond Finance was awarded with ConsumerAffairs\u2019 inaugural \u201cBuyer\u2019s Choice Awards\u201d for Best Customer Service, Experience with Staff, and Transparency related to personal finance and its debt consolidation programs. They have additional offices in Houston, Texas and Chicago, Illinois. For more information, visit BeyondFinance.com. <\/h6>\n","protected":false},"excerpt":{"rendered":"

As Financial Practice Week nears, Beyond Finance found nearly half of U.S. adults don’t know what a 401(k) is. Our Dr. Erika Rasure explains.<\/p>\n","protected":false},"author":4,"featured_media":4386,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[164,15],"tags":[],"class_list":["post-4385","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-practice-week","category-news-releases"],"yoast_head":"\nAlmost Half of Americans Don\u2019t Know What a 401(k) Is, Beyond Finance Poll Finds - Beyond Finance Newsroom<\/title>\n<meta name=\"description\" content=\"As Financial Practice Week nears, Beyond Finance found nearly half of U.S. adults don't know what a 401(k) is. 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