A change in perspective changes everything

Optimism is a force to be reckoned with. It’s the self-fulfilling spark that turns challenges into opportunities and can even be a catalyst to better physical, emotional and financial health. And with Americans reporting feelings of distrust, isolation, pressure and uncertainty at levels never seen before, we’re aiming to inspire an army of optimists—because that’s what it will take to change the world for the better.

Let’s talk about the meaning of optimism

Optimism is not naïve happiness, rosy thinking based on denial. It’s just the opposite. It’s a mindset of determination in the face of adversity and the belief that a positive solution is possible with the right approach.

What Americans Think About Money

62%
feel they are just getting by financially
59%
say finances control their lives at least sometimes

How optimists compare to less optimistic people

7x
as likely to experience better financial health
145
fewer days of financial stress per year
2x
as likely to have paid for their children's education

The research on optimism and financial health

In our recent study, we examined what Americans currently think about their finances and how your mindset toward money affects financial health.

We saw that optimists are 7x as likely to experience better financial health. So we know it’s a matter of mind over money. And everyone, regardless of income and wealth, can achieve better financial health as they become more optimistic.


We can change our mindsets together

Research says that optimism is largely a learned attitude. Our mindset is malleable and, just like a muscle at the gym, we can strengthen it. We’re aiming to do just that through several initiatives designed to foster generosity, build community and change perspectives.

Steps you can take to unlock the power of optimism

Why would a bank care about optimism?

As a bank that has succeeded by helping our customers succeed, people’s health and financial wellness are most certainly things we’re interested in. We’re also a company made of optimists. After all, it took optimism to successfully navigate the changing—and sometimes challenging—times over the last 150 years.