Many Americans are looking back on 2025 with regrets about money.

Nearly 40% of adults say their biggest financial regret from this year is not saving enough money, according to a new survey of over 1,000 U.S. adults by Intuit Credit Karma. These are the three most common financial regrets from 2025:

It’s been a year of major economic events, including President Donald Trump’s tariff agenda, Federal Reserve rate cuts, a record-long government shutdown and rising unemployment. And 2 in 3 survey respondents say macroeconomic conditions like inflation and tariffs impacted their spending habits.

“People are feeling [the stress] very deeply in 2025 and there are not signs of that letting up as we look forward into the new year,” Courtney Alev, consumer financial advocate at Intuit Credit Karma, tells CNBC Make It.

Around 73% of Americans say they are saving less for emergencies due to factors like rising prices and elevated interest rates, a recent Bankrate survey found. Additionally, around 24% of households report living paycheck to paycheck in 2025, up slightly from 2024, according to Bank of America Institute research.