Americans aim high financially in 2026, but sticking to plans may be the real test

As the calendar flips into 2026, most Americans who planned New Year’s resolutions say financial goals are on their agenda.

Saving more money has emerged as the most frequently cited priority, according to a new survey commissioned by Wells Fargo and drawn from Ipsos-conducted research. It reveals that people are eager to improve their money management while being well aware of the challenges ahead.

Among those who expect to have resolutions tied to the new year 97% have already set or are considering financial objective and among them 70% say they want to save more in 2026 while almost half plan to dial back spending or trim expense.

Among other financial goals, a substantial shares aim to boost credit scores (39%), pay down debt (38%), or start side hustles or find new income streams (35%).

Despite this broad ambition, confidence in execution varies with around a third of those with financial resolutions feeling very confident they’ll see them through, about half are somewhat confident, and around one in seven are less optimistic about achieving their goals.

“The findings tell us that when people feel in control of their money, it has a positive association with self-care, happiness, and freedom for most people, even though about half are at odds with spending versus saving,” said Chris Starr, Wells Fargo’s head of deposits. “But life happens, and many adults can’t cover a financial surprise. A clear plan to manage spending and save where you can lowers stress and puts you in control of your money.”

Survey respondents also signaled that attitudes toward saving are mixed and while many associate setting money goals with self-care, happiness and freedom, others still perceive trade-offs between present enjoyment and future stability.