Military Families Report Stronger Financial Confidence Than Civilians

Survey shows military households maintain higher optimism about finances and retirement despite economic uncertainty

Mar. 31, 2026 at 10:09pm

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According to the latest First Command Financial Behaviors Index, active-duty military families in pay grades E-5 and above continue to report significantly stronger financial confidence and retirement readiness compared to the general population, even as economic conditions have caused a slight dip in optimism across both groups.

Why it matters

The survey results highlight the financial resilience of military households, which often benefit from structured compensation, housing allowances, retirement programs, and access to financial coaching - factors that can support long-term financial planning and discipline. This data provides valuable insights into the financial attitudes and behaviors of an important segment of the U.S. population.

The details

The Q4 2025 Financial Behaviors Index found that 72% of military families expect their financial situation to improve in the next year, compared to just 43% of civilians. Additionally, 69% of military households say they are confident in their ability to retire comfortably, versus 40% of civilians. The survey also shows that military families working with financial advisors contribute significantly more to savings and have higher long-term savings and retirement balances than those without professional guidance.

  • The Financial Behaviors Index survey was conducted in the fourth quarter of 2025.

The players

First Command Financial Services

A financial services company that provides research and insights on the financial behaviors and attitudes of military families and the general population.

Sentient Decision Science

An independent behavioral research firm that compiles the First Command Financial Behaviors Index through monthly surveys of U.S. consumers.

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What they’re saying

“'Military families have historically demonstrated strong financial discipline and long-term planning habits. Even when confidence dips during periods of economic uncertainty, service members tend to maintain a forward-looking approach to saving and retirement preparation. Our research continues to show that households working with financial professionals are especially well positioned to stay focused on long-term financial goals.'”

— Mark Steffe, President/CEO, First Command

What’s next

First Command plans to continue tracking and reporting on the financial behaviors and attitudes of military families and the general population through its quarterly Financial Behaviors Index survey.

The takeaway

The data suggests that the financial resilience of military households, often bolstered by access to structured compensation, retirement programs, and professional financial guidance, can serve as a model for improving financial security and long-term planning among the broader U.S. population.