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"The US economy continues its slow upward trajectory, even as discussion of tariffs and trade discussions cause the stock market to fluctuate a great deal. US unemployment – already at extremely low levels – decreased further in October of 2018, while labor force participation remained steady. Despite a slight dip, consumer confidence remains quite high. Consumers who consider their finances to be healthy continue to have faith in the economy, thereby potentially increasing their spending."

- Jennifer White Boehm, Associate Director - Financial Services

What's included

What's included

Table of contents

Table of contents

  1. Executive Summary

    • Overview
      • When it comes to financial success, everything is important
        • Gender affects goal-setting
          • Financial situation dictates willingness to sacrifice
          • State of the Economy

            • Economic overview
              • Figure 1: Key economic indicators, November 2018
            • Consumer confidence
              • Figure 2: Consumer confidence, January 2008-November 2018
            • Un- and underemployment
              • Figure 3: Un- and underemployment, January 2008-October 2018
            • Disposable personal income
              • Figure 4: Disposable personal income change from previous period, January 2008-October 2018
            • Personal Saving Rate
              • Figure 5: Personal saving rate, January 2008-October 2018
            • Homeownership rate
              • Figure 6: Homeownership rate for the United States, January 2008-Q3 2018
          • Current Financial Situation

            • Majority of US consumers consider their finances to be healthy/OK
              • Figure 7: Current financial situation, November 2018
            • Consumers are slightly more optimistic at year’s end
              • Figure 8: Current financial situation, Q1 2017-Q4 2018
          • Definition of Financial Success

            • Consumers have multiple financial priorities
              • Figure 9: Definition of financial success, November 2018
            • Those with healthy finances concentrate on bill payment, savings
              • Figure 10: Definition of financial success, by financial outlook, November 2018
            • Women more likely to have multidimensional financial goals
              • Figure 11: Definition of financial success, by gender, November 2018
              • Figure 12: Definition of financial success, by gender and age, November 2018
            • Men significantly more likely to ask for a raise to meet financial goals
              • Figure 13: Willingness to ask for a raise to meet financial goals, November 2018
          • Obstacles to Financial Goals

            • Salary is considered the main obstacle to meeting financial goals
              • Figure 14: Obstacles to financial success, salary vs expenses, November 2018
            • Consumers with healthy finances not as troubled by obstacles
              • Figure 15: Obstacles to financial success, by financial outlook, November 2018
              • Figure 16: PayPal Mastercard direct mail piece, December 2018
            • Age more likely to dictate opinion on financial obstacles
              • Figure 17: Top obstacles to financial success, by age, November 2018
          • Reaching Financial Goals

            • Consumers more willing to cut back than change spending habits
              • Dining out, daily treats are first sacrifices in order to meet financial goals
                • Figure 18: Cutting back to meet financial goals, November 2018
              • Consumers with tighter budgets more focused on cost savings
                • Figure 19: Change in spending to meet financial goals, by financial outlook, November 2018
              • Women more willing than men to cut back
                • Figure 20: Willingness to cut back, by age and gender, November 2018
            • Appendix – Data Sources and Abbreviations

              • Data sources
                • Consumer survey data
                  • Direct marketing creative
                    • Abbreviations and terms
                      • Abbreviations

                      About the report

                      This report will give you a complete 360-degree view of your market. Not only is it rooted in robust proprietary and high-quality third-party data, but our industry experts put that data into context and you’ll quickly understand:

                      • The Consumer

                        What They Want. Why They Want It.

                      • The Competitors

                        Who’s Winning. How To Stay Ahead.

                      • The Market

                        Size, Segments, Shares And Forecasts: How It All Adds Up.

                      • The Innovations

                        New Ideas. New Products. New Potential.

                      • The Opportunities

                        Where The White Space Is. How To Make It Yours.

                      • The Trends

                        What’s Shaping Demand – Today And Tomorrow.

                      Please Note: This is a sample report. All of the figures, graphs, and tables have been redacted.

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