To assess the current state of financial health in America and to glean insights that can inform cross-sector efforts to improve consumer outcomes, CFSI designed and commissioned a nationally representative survey focused on consumers’ financial behaviours, attitudes, and preferences. This report explores the resulting financial health segmentation and puts forth a number of consumer insights from this survey and recommendations that draw upon CFSI’s decade of experience in this field to help policymakers, social services agencies, and financial service providers better serve the millions of Americans who are struggling financially.