The document discusses the U.S. Financial Health Pulse, which provides an ongoing snapshot of the financial lives of Americans. It outlines CFSI's Financial Health Framework, which includes behaviors like spending less than income, paying bills on time, and having sufficient savings. Key findings show that 70 million Americans are financially healthy while 138 million are coping and 42 million are vulnerable. It also discusses the links between financial and physical health, noting that financial stress impacts both physical and mental health.

1. The U.S. Financial Health Pulse
A groundbreaking research initiative that provides an
ongoing snapshot into the financial lives of Americans.

2. 1. Spend less than income
2. Pay bills on time and in full
3. Have sufficient liquid savings
4. Have sufficient long-term savings
5. Have a sustainable debt load
6. Have a prime credit score
7. Have appropriate insurance
8. Plan ahead for expenses
SAVE
BORROW
PLAN
SPEND
CFSI’s Financial Health Framework
CFSI Financial
Health Score®=
cfsinnovation.org/score
© 2019 Center for Financial Services Innovation. All rights reserved.

3. Key Findings from the 2018 Baseline Study
© 2019 Center for Financial Services Innovation. All rights reserved.
70 million people 138 million people 42 million people

4. Financial Behaviors, Sentiments, and Outcomes

5. Financial Health and Physical Health
Health and financial health move in the same direction
• Of consumers that state that they have excellent
physical health, 50% are financially healthy
• Of those who have poor physical health, only 13% are
financially healthy, while almost 48% are coping
©2019 Center for Financial Services Innovation. All rights reserved.
Physical +
Mental
Health

6. Financial Health and Physical Health
Finances are linked to stress, which we know is linked to adverse health outcomes
• 43% of consumers state that their finances cause them
moderate to high stress
• 58% of consumers believe that their physical health is
impacted by financial stress
• 65% believe their mental health is impacted by financial
stress
©2019 Center for Financial Services Innovation. All rights reserved.

7. Financial Health and Physical Health
Costs of healthcare result in people forgoing healthcare and medicine
• When it comes to the cost of healthcare, 25% of
consumers did not get healthcare because they
couldn’t afford it
• 17% of consumers stopped taking medication or took
less than directed because of the cost
• People who struggled to afford healthcare were nearly
10 times less likely to be financially healthy
©2019 Center for Financial Services Innovation. All rights reserved.