About a third of Minnesotans would struggle to handle a major unexpected expense

That vulnerability varies with income: 21% of adults in households earning under $30,000 say they could handle such an expense, compared with 73% of those in households earning $150,000 or more. Beyond one-time emergencies, 33% of adults in households earning under $30,000 say they are always or often behind with their finances, compared with 3% of those in households earning $150,000 or more.

I could handle a major unexpected expense

Statewide

I could handle a major unexpected expense
Completely	14%
Very well	22%
Somewhat	31%
Very little	15%
Not at all	17%

Income

Less than $30K
Completely	9%
Very well	11%
Somewhat	23%
Very little	23%
Not at all	34%

$30K–$70K
Completely	7%
Very well	18%
Somewhat	34%
Very little	20%
Not at all	20%

$70K–$150K
Completely	18%
Very well	30%
Somewhat	37%
Very little	6%
Not at all	8%

$150K+
Completely	40%
Very well	33%
Somewhat	22%
Very little	4%
Not at all	1%

Refused responses not shown.

I have money left over at the end of the month

Statewide

I have money left over at the end of the month
Always	24%
Often	20%
Sometimes	28%
Rarely	17%
Never	10%

Income

Less than $30K
Always	10%
Often	13%
Sometimes	28%
Rarely	21%
Never	26%

$30K–$70K
Always	16%
Often	20%
Sometimes	31%
Rarely	22%
Never	11%

$70K–$150K
Always	37%
Often	24%
Sometimes	26%
Rarely	9%
Never	3%

$150K+
Always	50%
Often	23%
Sometimes	16%
Rarely	10%
Never	1%

Refused responses not shown.

I am behind with my finances

Statewide

I am behind with my finances
Always	6%
Often	8%
Sometimes	19%
Rarely	30%
Never	36%

Income

Less than $30K
Always	15%
Often	18%
Sometimes	18%
Rarely	30%
Never	18%

$30K–$70K
Always	6%
Often	9%
Sometimes	21%
Rarely	33%
Never	31%

$70K–$150K
Always	1%
Often	4%
Sometimes	18%
Rarely	26%
Never	49%

$150K+
Always	1%
Often	2%
Sometimes	8%
Rarely	27%
Never	62%

Refused responses not shown.

I am concerned that the money I have or will save won’t last

Statewide

I am concerned that the money I have or will save won’t last
Completely	21%
Very well	12%
Somewhat	38%
Very little	18%
Not at all	10%

Income

Less than $30K
Completely	38%
Very well	15%
Somewhat	30%
Very little	11%
Not at all	7%

$30K–$70K
Completely	24%
Very well	14%
Somewhat	40%
Very little	15%
Not at all	7%

$70K–$150K
Completely	11%
Very well	9%
Somewhat	42%
Very little	25%
Not at all	13%

$150K+
Completely	7%
Very well	7%
Somewhat	32%
Very little	33%
Not at all	21%

Refused responses not shown.

Will never have the things I want

Because of my money situation, I feel like I will never have the things I want in life

Statewide

Will never have the things I want
Completely	11%
Very well	11%
Somewhat	38%
Very little	23%
Not at all	16%

Income

Less than $30K
Completely	25%
Very well	13%
Somewhat	46%
Very little	6%
Not at all	9%

$30K–$70K
Completely	9%
Very well	15%
Somewhat	41%
Very little	23%
Not at all	12%

$70K–$150K
Completely	8%
Very well	7%
Somewhat	37%
Very little	27%
Not at all	20%

$150K+
Completely	3%
Very well	6%
Somewhat	23%
Very little	33%
Not at all	35%

Refused responses not shown.

Source: Lumaris Research, Minnesota Community Survey of 1,424 adults, May 9 to Aug. 30, 2025.

Margin of error is ±3.47 pp at 95% confidence level. Margins are wider for subgroups.

Survey methods