Even households making $100K are now pulling back on spending and rethinking their expenses. Here’s why

Tight budgets and stretched wallets are nary longer conscionable a occupation for lower-income Americans.

Inflation is putting unit connected astir everyone, adjacent households earning six figures. As prices enactment stubbornly high, much Americans crossed antithetic income groups are feeling anxious astir their finances and rethinking however they save, walk and program for the future.

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A caller TD Bank survey reported astir 90% of respondents said rising costs person impacted their spending. When asked however they’ve adjusted their spending, astir 30% reported cutting backmost connected nonessentials, portion astir 20% are relying connected couponing, income and discounts successful bid to find savings (1).

The compression is being felt careless of income: 84% of respondents with household incomes of $100,000 oregon much reported feeling the effects of inflation, and astir 88% of respondents with household incomes little than $50,000 reported the same.

The apical symptom points causing consumers to adjust? Groceries, state and eating out: 46% of respondents cited groceries arsenic their apical spending category, gasoline was the 2nd highest astatine 13%, and edifice expenses were 3rd astatine 9%.

Nearly fractional of each responding consumers accidental their market prices accrued the astir implicit the past year, portion 10% said gassing up was their biggest increase.

Even though ostentation has plentifulness of Americans connected borderline — much than 80% of participants successful a 2025 LifeStance Health survey said they’re experiencing “stressflation” (2) — not everyone is feeling negatively astir the economy.

In fact, the perceived economical outlook is beauteous split, according to TD Bank, with 40% of respondents feeling optimistic, 38% feeling pessimistic and 22% feeling neutral. Around 41% of respondents assertion they consciousness the aforesaid astir their existent fiscal concern arsenic they did six months ago, portion 35% adjacent reported feeling amended (1).

Meanwhile, user spending remains strong, according to the Bureau of Economic Analysis’s Personal Consumption Expenditures terms scale for August 2025, which accrued 2.7% from past twelvemonth (3). So, if Americans are inactive making the purchases they need, however are they getting astir the precocious prices?