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Nearly 3 in 4 U.S. workers struggle to afford anything beyond their basic living expenses, the 2025 Wage Reality Report from Resume Now found. For millions of employees, managing day-to-day expenses is a constant challenge. Rising costs and stagnant wages leave little room for financial stability or growth.

The data paint a stark picture of the struggles workers face: 

  • Twelve percent report they often cannot afford basic living expenses.
  • Twenty-four percent can afford essentials but struggle to do so.
  • Thirty-seven percent can manage basic expenses but with limited room for extras.
  • Twenty-one percent can comfortably afford basic living essentials and some extras.
  • Six percent say they can easily afford basic living expenses and save for the future.
“Financial stress is a growing reality for many, making it important to assess personal budgets and financial health regularly,” the report said. “Workers may benefit from exploring programs offered by employers or community organizations that provide emergency assistance, housing support or financial planning tools to help manage living expenses more effectively.”

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