Best Egg Report Finds Gap Between Financial Knowledge and Security

A fintech company's new national survey highlights a striking disconnect among American consumers: knowing about personal finance does not necessarily translate into feeling financially secure. Best Egg, a Wilmington, Delaware-based fintech focused on serving consumers with limited savings, released its Financial Confidence Report on Oct. 6, 2026, drawing on responses from 3,000 U.S. adults.

The report centers on what researchers describe as a widening gap between financial literacy — what Americans understand about managing money — and financial confidence, meaning how safe and stable they actually feel about their economic situations. The findings suggest that knowledge alone is insufficient to produce a sense of security for many households.

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Generational differences emerged as a defining theme in the data. The survey recorded sharp divides in how various age groups experience financial pressure, indicating that younger and older Americans are not confronting the same stress points or arriving at the same conclusions about their financial standing, even when they share comparable levels of financial awareness.

Best Egg positions the report as a resource for understanding the evolving needs of consumers who live paycheck to paycheck or maintain minimal financial cushions. The company, which offers flexible lending and financial products, stated the findings are intended to inform both industry practitioners and policymakers about real-world barriers to financial well-being beyond traditional education metrics.

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