Americans Are Worried More About This Money Issue Than Inflation
Americans Are Worried More About This Money Issue Than Inflation — Here’s Why
Dawn Allcot GOBankingRates Sat, January 10, 2026
Americans are more worried about the job market and their job security than they are about inflation, according to the latest Survey of Consumer Expectations from the Federal Reserve Bank of New York.
Survey respondents said they expect inflation to drop to 3% within the next three to five years, the NY Fed reported. Respondents also believe credit is easier to get now than it was in the recent past, and that trend should continue. Although reduced inflation and loosened credit should bode well for the economy, people are still concerned.
Consumers also predicted unemployment rising in 2026 and believe they may have a harder time finding a job if they are laid off next year. Those under the age of 60 and those who attended “some college” were the most concerned, according to the report.
“People know that if inflation hits, they will feel it, but they can adjust their spending to offset it,” said Melanie Musson, finance expert at Quote.com. “Inflation hurts, but it’s survivable. Meanwhile, losing your job can feel like there is no solution.”
Gen Z Feels Heavy Uncertainty
Sofiya Deva of the AI-powered personal finance app Vera, said these emotions may be especially prevalent in Gen Z.
“They’ve been nicknamed ‘the most anxious generation.’ And I think a lot of that really does carry over into finances,” she said.
Seeking personalized financial advice, and even relying on AI tools, could be part of the solution for any generation, Deva added.
“[Finance is] a very personal topic. In some ways it’s even more taboo than religion and politics,” Deva said. “Having a safe, judgement-free space where you can share where you are financially, plus your anxieties, hopes and fears, can help.”
How To Prepare for Job Loss
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