Financial Pressures Ease as Fewer Americans Delay Decisions

Survey shows 55% of Americans postponed purchases or plans in 2026, down from 61% in 2025

Apr. 2, 2026 at 11:04pm

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An extreme close-up of intricate, industrial-looking financial machinery and equipment, conveying the tangible, physical nature of banking and wealth without using literal currency or charts.The survey's findings on easing financial pressures are tempered by the persistent challenge of rising costs, underscoring the need for Americans to prioritize financial stability.Washington Today

A Financial Literacy Month survey conducted by The Harris Poll on behalf of the American Institute of CPAs (AICPA) shows financial pressures easing slightly, as the share of Americans delaying decisions for financial reasons in the past year dropped from 61% in 2025 to 55% in 2026. The survey also found that 36% of Americans feel better about their financial situation over the next 12 months compared to the previous 12 months.

Why it matters

The optimism seen in financial outlook for 2026 is encouraging, however, the reality of rising prices highlights the need for Americans, particularly those aged 18-34, to prioritize their financial well-being. The survey results provide insights into consumer spending habits and financial decision-making, which can inform financial literacy efforts and help individuals take control of their finances.

The details

The survey found that 45% of Americans reported not putting off anything for financial reasons in the past year, a six percentage-point increase over 2025. One third of Americans had postponed a vacation, while 16% delayed buying a home. Fifty-nine percent of those who delayed something cited the cost of goods and services as the reason.

  • The survey was conducted from March 10-12, 2026.

The players

American Institute of CPAs (AICPA)

The world's largest member association representing the CPA profession, with 397,000 members and a history of serving the public interest since 1887.

The Harris Poll

A market research firm that conducted the survey on behalf of the AICPA.

Cary Sinnett

Senior manager of AICPA Personal Financial Planning, who provided advice and commentary on the survey results.

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What they’re saying

“The optimism seen in financial outlook for 2026 is encouraging however, the reality of rising prices highlights the need for Americans, in particular, those aged 18-34, to prioritize their financial well-being.”

— Cary Sinnett, Senior manager, AICPA Personal Financial Planning

What’s next

The AICPA plans to continue providing financial literacy resources and guidance to help consumers take control of their finances and make informed decisions.

The takeaway

The survey results suggest that while financial pressures are easing for some Americans, the need for financial literacy and responsible money management remains. By prioritizing their financial well-being and utilizing resources like those provided by the AICPA, consumers can navigate the challenges of rising costs and make informed decisions about their finances.