Economic Well-Being of U.S. Households in 2025 (Federal Reserve Board)
Summary
- Workplace technology adoption expanded, with one-in-four workers having used generative AI at work in the prior month.p.6
- Non-credit-card financial fraud resulted in an estimated total loss of $100 billion in 2025, with $56 billion borne directly by consumers.p.7
- Buy Now, Pay Later (BNPL) adoption edged up 1 percentage point to reach 16 percent of all adults.p.8
Key insights
- Fifteen percent of adults under age 30 who were not working stated that being unable to find work contributed to their non-working status.p.17
- Eighty-one percent of workers using generative AI agreed that the technology saves them time at work.p.6
- Forty-nine percent of young adults under age 30 lived with a parent in 2025, up 12 percentage points from 2019.p.6
- Most families paying for both childcare and housing spent at least 50 percent as much on childcare as on housing.p.6
- Thirty-five percent of non-retirees felt their retirement savings plan was on track, unchanged from 2024.p.7
- Average credit card balances rose by more than 35 percent among cardholders who reported finding it difficult to get by.p.8
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p.60Topics and entities
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