Americans are more interacting on financial affairs with a decrease in the number of plans to 40 %

How people can deal with their financial resources, but according to a new research from PYMNTS, there are two more common ways.

PYMNTS found only 40 % of American consumers “planners”, which means Their strategy For money was more insightful.

This number has decreased compared to almost half who dealt with their personal money in this way in February last year, According to the port.

Meanwhile, for 60 % of consumers, financial issues are dealt with with their arrival, and acquisition of “reactors” of the title.

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For the first, they tended to save at least $ 2,500 and balance their credit cards balances less than $ 2000 on average, as well as pay regular payments on their balances, according to the port.

The latter usually collected Top assets It was less than savings, for all pymnts. They also reported that their credit cards are sponsored frequently.

It may mean a decrease in the “planners” consumers Feeling more pain In their governorates, according to pymnts.

The two groups usually have different priorities when it comes to money, with retirement in front of the mind for many alleged “planners” and multiplying debt being the focus of “reactors”, according to the port.

A separate report that was released earlier this month was found by Fidelity Investments that the average account balance of 401 (K) in the first quarter was 127,100 dollars, while the average IRA and 403 (B) balances reached 121,983 dollars and 115,424 dollars, respectively.

The retirement account account has declined in the first quarter, but the savers continue to contribute

In mid -April, Northwestern Mutual found that the Americans believe they need $ 1.26 million, which were comfortably provided for retirement.

PYMNTS stated that nearly a third of the financially react consumers have determined their debts as a top priority.

The Americans combined had $ 18.2 trillion of debt as of the first quarter of the year, according to the New York Reserve Bank.

For the other type of consumers, investments and savings constituted 12 % of what they financially allocated to themselves on a monthly basis, as mentioned by PYMNTS.

The debt crisis in one in every 4 Americans is forced to choose between bills and essentials

In addition, the survey shed light on how to accumulate different generations in terms of how they deal with financial affairs, according to the port.

For the generation of Z, 73 % of those within this age group “reactors” have been considered.

Meanwhile, the members of the Baby Boomer generation were more likely to be “planned”, as the survey connecting the share in this generation by 54 %.

When it comes to income, more of those who take a great Paczi began to see themselves “reactors” Economic inflation And other factors weighing them.

Nearly 52 % of high -income consumers described themselves as “reactors” in the survey.

The percentage of its owners, which was “planned”, recorded a 25 % decrease between February last year and January this year, according to PYMNTS.

The average real income for American families was more than $ 80,600 in 2023, according to the latest data from the American Statistical Office.