Americans Seek Predictability In Uncertain Economy And Shift Financial Habits, Survey Finds

Amid continued concerns about economic volatility, a growing number of Americans are rethinking how they manage their money.

A new survey of 2,000 adults, conducted by Talker Research on behalf of Affirm, found that 77% have altered their financial habits in response to the current economic climate, with many seeking greater predictability, control, and long-term stability.

The survey revealed that 86% of respondents believe the economy remains uncertain, and 58% think a recession is inevitable. On average, people expect this period of financial unpredictability to last another 10 months.

As a result, Americans are leaning into strategies that emphasize clarity and control. Half of those surveyed said theyre prioritizing liquidity, aiming to keep cash available for emergencies or unexpected expenses. Others are turning to budgeting methods that reduce uncertainty — 41% reported managing their finances with fixed, predictable payments, and 36% said they are thinking more long-term than ever before.

Nearly four in 10 respondents (39%) said they are actively trying to avoid credit card interest or fees, while 28% are working to improve their financial literacy. Nearly a quarter (23%) are exploring alternative payment options, and 19% said they are looking for more value from their financial providers.

“Control means prioritizing predictability,” said Vishal Kapoor, Affirms Senior Vice President of Product. “Thats why nearly half of consumers (49%) named no surprise fees as their top priority when making purchases this year. Affirm is built to support this need — with transparent terms and no late or hidden fees, we help people spend smarter and plan with confidence.”

The desire for transparency is shaping consumer behavior as well. Nearly half (49%) of respondents said avoiding surprise fees was their top financial priority. Others pointed to interest-free offers (41%), the ability to spread payments over time (35%), and having a clear timeline for when payments are due (27%).

“Consumers clearly want more from their financial tools. They want payment solutions that help them manage their budgets, avoid surprises and stay financially resilient,” Kapoor said. “Thats exactly what we were built for. From options like 0% APR offers to predictable monthly payments, were giving people greater flexibility and peace of mind as they plan for the future.”

The findings suggest that as economic anxiety continues, Americans are not only becoming more cautious — theyre becoming more proactive, seeking tools that offer transparency, flexibility, and peace of mind.