Here Are the Top Personal Finance Resolutions for 2018 by Age and Gender

In a large new survey, Tiller Money found that spending less is the top financial resolution for 2018.

Spending less money was also the most equally shared resolution between men and women. Men were just 3.8% more likely than women to say it’s their top financial goal for 2018.

  Survey of 821 Americans written by Tiller Money and conducted using Google Surveys, November 2017
Survey of 821 Americans written by Tiller Money and conducted using Google Surveys, November 2017

Men and women were sharply divided on the resolution “make a budget and stick to it.”

Women were 27.2 percent more likely to claim this as their biggest 2018 financial goal. No other resolution had such a large difference by gender.

  Survey of 821 Americans written by Tiller Money and conducted using Google Surveys, November 2017
Survey of 821 Americans written by Tiller Money and conducted using Google Surveys, November 2017

Oldest and Youngest Most Likely to Resolve to “Spend Less Money” 

When it comes to 2018 financial resolutions, people aged 18 – 24 and people aged 65+ were most likely to choose “spend less money” as their #1 goal. 

  • 43% of people 65+ choose this as their goal 
  • 32.4% of people 18 – 24 choose this as their goal. 

Other Outliers

  • People aged 25 – 34 were most likely to want to reduce their credit card debt in 2018.
  • People aged 18-25 were most likely to want to make a budget and stick to it.

Survey Results 

  • 28.7% want to spend less money (48.1% male, 51.9% women, 3.8% difference)
  • 15.5% want to save more for retirement (51.9% male, 45.2% women, 9.6% difference)
  • 15.2% want to reduce their credit card debt (46.8% male, 53.2% female,  6.7% difference)
  • 14.3% want to make a budget and stick to it (36.4% male, 63.6% female, 27.2% difference)
  • 11.0% say they want to save money to an emergency fund (47.7% male, 52.3% female, 4.6% difference)
  • 7.7% want to create side-income or get a gig job (47.5% male, 52.5% female, 5% difference)
  • 7.6% want to better understand their spending (58.3% male, 41.7%, 16.6% difference)

Survey written by Tiller Money and conducted using Google Surveys, November 2017 5.3% RMSE Score. Survey of 821 people living in the United States from age 18 – 65+


Edward Shepard

Marketing Lead at Tiller. Writer. Budding spreadsheet nerd. Get in touch with partnership ideas at edward @ tillerhq.com.