About the research
For many lower- and moderate-income workers and job seekers, survival is replacing economic mobility. This report explores how these individuals navigate tight budgets and a challenging job market. To overcome these obstacles, they are adapting finances and career plans, while also speaking hopefully about their personal ability to manage uncertainty.
“I don’t think anybody [in this focus group] makes enough to be comfortable. We make enough just to live.” — Participant with household income less than $50k annually
“So thankfully I’m comfortable, but let’s just say on thin ice, there’s definitely like one or two paychecks away from not being, you know, in the right place…” — Participant with household income between $60k–$75k annually
“The American dream is just that, a dream. It’s not even reachable anymore to have the house and the white picket fence.” — Participant with household income less than $50k annually
Worker Perspectives
2026 Report
The Worker Perspectives Report explores how workers are navigating rising costs, limited opportunities, and a challenging job market. To navigate these obstacles they are adapting finances and career plans, while also speaking hopefully about their personal ability to manage uncertainty. In their employment, they prioritize flexibility, work-life balance, and fair pay. Here’s what workers are saying.
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Acknowledgements
We are grateful for everyone who contributed to Worker Perspectives.
Thank you to the individuals who shared their insights and perspectives. This research reflects their lived experiences.
Finally, we recognize the Worker Perspectives team for their contributions.
Have questions about Worker Perspectives? Contact us
Research, data, and methodology inquiries
Sarah Miller, Atlanta Fed
Merissa Piazza, Cleveland Fed
Elizabeth Bogue Simpson, Atlanta Fed
Kristen Broady, Chicago Fed