Four Frequent Money Worries – And What To Do About Them

Nearly 4 in 5 Americans agree — the state of their finances is a matter for concern.

More precisely, 79% had specific concerns when asked about their “current financial situation” earlier this year, in an April 2025 NerdWallet survey conducted online by The Harris Poll. All told, 64% of Americans had one or more worries about not having enough money saved, 44% about having too much debt and 26% about not making enough money.

While financial journeys vary from person to person, some experiences may be more common than you realize. Here’s some guidance on handling four of the most common money concerns, as revealed by the survey.

1. Not having enough saved for emergencies

Americans only save about 4.3% of their income, according to the U.S. Bureau of Economic Analysis. So it’s probably t