Americans seek advice to meet loftier money goals for 2026 even as inflation lingers

As 2026 approaches, many US households are pledging bigger and more aggressive financial goals than they did this time last year.

A new survey from Edward Jones in partnership with Morning Consult reveals that about 41% of participants said their financial objectives for 2026 will exceed what they set for 2025., but while ambition is up, so too are anxieties over inflation’s grip.

Their top priorities are to earn more, save more, and pay down credit card balances, but inflation presents a heavy burden.

Nearly half of respondents said soaring costs prevented them from sticking to 2025’s resolutions and 52% see inflation as their main obstacle heading into next year. In practice, that could mean real changes with 44% expecting to eat out less, 34% anticipating paying more on groceries, and 32% expecting to limit travel.

When it comes to keeping on track, traditional budgeting remains the go-to tool wit 81% of poll participants saying that a simple budget is the most effective aid. Family and friends came in second at 58%, followed by online budgeting tools at 56%.

However, despite the hype, only 42% considered AI-based financial tools helpful, and nearly one in five dismissed them altogether, suggesting many people remain wary of fully trusting algorithms over human guidance.

Interest in professional financial advice is also growing with around 22% said they plan to work with an advisor to launch their 2026 plans, a share that climbs to 26% among respondents confident they’ll meet their goals. One third say they expect to consult with an advisor before year-end.

Meanwhile, 23% intend to boost their investment contributions next year and another 44% plan to do so between January and March.