Lisa Miller
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The document discusses how the definition of the American Dream has evolved over time from ideals like homeownership, marriage, children, and retirement to incorporate greater financial stability and security. It notes that while the American Dream remains achieving these life goals, many respondents feel increased financial stress and that achieving the Dream is more difficult today due to rising costs of living and raising children. The document concludes by outlining four ways to help consumers achieve the American Dream: building financial literacy; managing complexity; controlling budgeting, spending, and borrowing; and understanding progress through small successes.
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The American dream means different things to different people, however. Far fewer Americans say “becoming wealthy” is essential to the American dream than say the same about personal freedom and a good family life.
Overall, 36% of U.S. adults say their family has achieved the American dream, while another 46% say they are “on their way” to achieving it, according to an August survey by Pew Research Center. (The survey asked people about the “American dream,” as they define it.) People who say they have already achieved the American dream are generally older, more affluent and better-educated than those who say they are on their way to achieving the American dream and those who say it’s out of reach.
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Despite persistently low levels of public satisfaction with the state of the nation, most Americans say they have achieved the “American dream” or are on their way to achieving it. Only about one-in-five (17%) say the American dream is “out of reach” for their family.
The American dream means different things to different people, however. Far fewer Americans say “becoming wealthy” is essential to the American dream than say the same about personal freedom and a good family life.
Overall, 36% of U.S. adults say their family has achieved the American dream, while another 46% say they are “on their way” to achieving it, according to an August survey by Pew Research Center. (The survey asked people about the “American dream,” as they define it.) People who say they have already achieved the American dream are generally older, more affluent and better-educated than those who say they are on their way to achieving the American dream and those who say it’s out of reach.
Whites (41%) are more likely than blacks (17%) or Hispanics (32%) to say they have achieved the American dream. But more blacks (62%) and Hispanics (51%) than whites (42%) say they are on their way to achieving it. Notably, there are no significant racial or ethnic differences in the shares who say the American dream is out of reach for their families.
The partisan differences in impressions of whether people have reached the American dream are relatively modest: 41% of Republicans and Republican-leaning independents say they have achieved it, compared with 32% of Democrats and Democratic leaners.
Freedom of choice, family widely viewed as essential elements of American dream
While people differ on the meaning of the American dream, very few – just 11% of the public – say “being wealthy” is essential to their own view of it.
By contrast, majorities say “freedom of choice in how to live” (77%), having a good family life (70%) and retiring comfortably (60%) are essential to their view of the American dream.
Smaller shares say making valuable community contributions (48%), owning a home (43%) and having a successful career (also 43%) are essential to their view of the American dream, but relatively few (no more than 9%) say these are not important to the American dream.
However, 40% say being wealthy is not important in their vision of the American dream, by far the highest share among the seven items asked about.
There are modest educational differences in attitudes about what is essential to the American dream. For example, 87% of those with at least a four-year college degree say freedom of choice in how to live is essential, as do 82% of those with some college experience. By comparison, a smaller majority (65%) of those with no more than a high school diploma say this.
And while 15% of those with a high school education or less say becoming wealthy is essen ...
State of Financial Literacy in South Carolina and How CPAs Can Make a Difference
State of Financial Literacy in South Carolina and How CPAs Can Make a DifferenceKatherine Swartz Hilton
The document provides information on the state of financial literacy in South Carolina based on survey results. Key points:
- A 2008 survey of 16 SC high schools found that 79% of students failed a financial literacy test, with only 2.3% scoring a C or better.
- The survey revealed many students lacked understanding of topics like personal finance, credit, insurance, and retirement. For example, over 50% did not know they could check their credit history annually for free.
- The document calls for efforts to improve financial literacy in South Carolina through presentations, partnerships with schools and organizations, and resources provided by groups like the SCACPA financial literacy task force.Financial differences of each generation vest 2017
The document discusses the unique financial profiles and challenges facing each generation. Millennials struggle with student debt and lack of retirement savings, Gen X faces supporting families and saving for retirement while healthcare costs rise, and Baby Boomers have increasing healthcare costs and many have not adequately prepared for retirement as trillions in assets will soon be transferred.
Bpm
The document discusses the business opportunity available through Synergy Financial Partners. It outlines three categories of people who may be interested in the opportunity - business owners, self-employed/dual career individuals, and clients. It then discusses SFP's mission to change how Americans plan for their financial future and their vision to build the best consumer financial education company. The rest of the document focuses on explaining the problems Americans face financially, how SFP's solutions address these problems, and the business opportunity available through SFP.
Family Financial Fitness Wrkshp
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- Most parents are uncomfortable talking to children about money, so children inherit poor financial habits.
- Many Americans feel confident in retirement planning but have not actually begun saving or do not know how much they have saved.
- The concept of compound interest is explained, showing how small amounts can grow significantly over time through compounding.
- Characteristics of millionaires are discussed such as most being college graduates and working regular jobs rather than receiving inheritances.
- The importance of starting to save early even with modest amounts is emphasized.
New Savings Bond Training Webinar
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Financial Wellness Columbus
Presentation contains useful statistics and information on Hispanic business and financial wellness habits
Your Passion or Their Why?
What would life be like if you could get to the essence of who you are and what you believe? In other words, why do you do the things you do? What if you could focus on doing what you are best at and love to do the most?
Webinarnov16
The document discusses promoting savings among lower-income individuals through the use of U.S. Savings Bonds. It notes that Americans had stopped saving in recent years and outlines challenges to saving faced by lower-income individuals. However, studies show that with assistance through programs like VITA tax preparation, lower-income individuals were able to successfully save portions of their tax refunds through U.S. Savings Bonds. The document argues that tax preparers are well-positioned to encourage clients to consider saving and provides information on the benefits of Savings Bonds.
Webinarnov16
The document provides information to tax preparers about promoting U.S. Savings Bonds to low and moderate income clients during tax preparation. It notes that Americans had stopped saving in recent years and discusses challenges lower-income individuals face in saving. However, studies found that with assistance, many were able to save a portion of their tax refund by purchasing savings bonds. The document encourages tax preparers to discuss savings bond options with clients and provides suggestions for starting conversations, addressing concerns, and seeking a decision on bond purchases in a respectful manner.
Savings Bond Training Webinar
The document discusses promoting savings among lower-income Americans through the use of U.S. Savings Bonds. It notes that Americans had stopped saving in recent years and outlines challenges to saving faced by lower-income individuals. However, studies show that with assistance through programs like VITA tax preparation, lower-income individuals were able to successfully save portions of their tax refunds in savings bonds. The document argues that savings bonds are a convenient and trusted product to help lower-income Americans start saving.
A_Beale Final Project
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America looks forward to 2024. The begining of the end of USA don't do someth...
Americans envision significant changes over the next decade according to a survey conducted by Penn Schoen Berland and Burson-Marsteller. They foresee:
1) An increasingly uncertain economic future with declining opportunity and standards of living compared to today.
2) A diminished global role for the U.S. with most expecting China, not the U.S., to be the leading world superpower and economy by 2024.
3) Deep doubts about the ability of government to effectively address national challenges, though most foresee larger government over the next 10 years.
4) While pessimistic about economic and political issues, Americans expect continued progress on social issues like same-sex marriage and greater technological
America looks forward to 20024 Are we Mlaysians looking forward to year 2020
Americans foresee a more uncertain future for the country's economic strength and role in the world by 2024, but greater certainty on social issues. Specifically:
- The economy will be in worse shape, with few believing the U.S. will remain the "land of opportunity" or that hard work will lead to success.
- America's global standing and role as a superpower will decline, with most saying China, not the U.S., will be the leading economic and political force by 2024.
- On social issues, debates around same-sex marriage, marijuana, and climate change will be resolved with a new consensus emerging.
- Most expect less privacy from the government and doubt Americans
hsbc future of-retirement-uk-report
This report lets you see for yourself what others
think and feel about their retirement. I hope it will
also encourage some readers to take more control
of their own financial future. The ability to shape your
retirement is in your own hands with the power
of planning.
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Pew Research CenterMost think the American dream is within re.docx
The Atlantic/Aspen Institute Survey 2015: The American Dream
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- 1. The Evolution of the American Dream and Why it Matters for Personal Finances Tom O’Donnell, Chase
- 2. What is the American Dream?
- 3. Is it: 2
- 4. Is it: A. To work less and make more money? 3
- 5. Is it: A. To work less and make more money? B. To own a house with a white picket fence and have a family with 2.3 children? 4
- 6. Is it: A. To work less and make more money? B. To own a house with a white picket fence and have a family with 2.3 children? C. To retire with your toes in the sand and the sun overhead? 5
- 7. Is it: A. To work less and make more money? B. To own a house with a white picket fence and have a family with 2.3 children? C. To retire with your toes in the sand and the sun overhead? 6
- 8. Answer: Probably all of the above. 7
- 9. “The American Dream is that dream of a land in which life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement…a dream of social order in which each man and each woman shall be…recognized by others for what they are, regardless of the fortuitous circumstances of birth or position.” -James Truslow Adams, The Epic of America 1931
- 10. What is the American Dream in 2013?
- 11. Respondents defined achieving the American Dream as: 77% 50% 46% 46% Home Purchase Married Children College Education 45% Retirement 10
- 12. Here’s what didn’t rank on respondents’ wish lists: Two Cars New Business 20% 17% 11
- 13. Who can achieve the American Dream?
- 14. Just 20% think that attaining the American Dream is only possible if you’re born wealthy. 13
- 15. Why is it worth talking about the American Dream in 2013 at FinCon?
- 16. Because the outlook on the American Dream is changing… 15
- 17. When respondents were asked to compare their economic standing to their parents’ … They reported feeling more prosperous — but also more financially stressed. 16
- 18. Homeownership was the number-one symbol of the Dream today, representing freedom, individuality and success … But consumers are more cautious. 77% 17
- 19. More than half feel it’s too expensive to raise children in this day and age. How costly? Three out of 5 believe that you need dual incomes to make ends meet. Two out of 5 have delayed having children because of their financial situations. 18
- 20. One respondent feels it’s too expensive to raise his two children and looks forward to the day when they are finally off the family payroll. Child 1 Child 2 I mean, not that said respondent doesn’t unconditionally love his children and all that. 19
- 21. While retiring at 65 remains a core component of the American Dream, reaching that goal is a roadblock for respondents. More than a third feel that it’s not possible today to save enough for retirement. 20
- 22. And while the Dream is still alive … There are those stressors. 21
- 23. Perhaps because of the complexity of finances. “Complexity” refers to the ability to comfortably and confidently make financial decisions. 22
- 24. 31% said their financial life is very complex. Of those who say their financial health has improved since the recession, 43% say the complexity of their finances has decreased. 23
- 25. How can Americans make sure that their Dream is still alive and well?
- 26. Four ways to help consumers achieve the American Dream: 25
- 27. Build and maintain literacy. Source: Chase Blueprint/Aite research 26
- 28. Build and maintain literacy. Seven of 10 consumers whose financial life improved used at least one source of financial help. Start with the products you already have because… Source: Chase Blueprint/Aite research 27
- 29. Understand and manage complexity. Sources: Chase Blueprint/Aite research, Chase Blueprint research 28
- 30. Understand and manage complexity. The goal is feeling comfortable and confident making your financial decisions. Consumers want: – Control – Simplicity – Predictability Sources: Chase Blueprint/Aite research, Chase Blueprint research 29
- 31. Manage budgeting, spending and borrowing. Sources: Chase Pulse of the Consumer research; “Born to Spend” research 30
- 32. Manage budgeting, spending and borrowing. Consumers saved more during the downturn. Now they are feeling more confident, so… can good efforts become habits? Sources: Chase Pulse of the Consumer research; “Born to Spend” research 31
- 33. Understand progress and experience success. Sources: Chase Blueprint analysis and research 32
- 34. Understand progress and experience success. People are more likely to commit to the goals that they set for themselves. Once you taste success… Sources: Chase Blueprint analysis and research 33
- 35. Four ways to help consumers achieve the Dream: Build and maintain literacy. Understand and manage complexity. Manage budgeting, spending and borrowing. Understand progress and experience success. 34
Editor's Notes
- Shortened the quote