Money and Mindset Report 2026/27

Behind every statistic is a person.

Financial wellbeing is about more than what’s in someone’s bank account. It’s about the worries they carry, the choices they make and how confident they feel about their financial future. Our 2026/2027 survey explores the financial realities facing people across the UK, revealing some important insights into how employees are feeling right now.

A snapshot of the data

What does it tell us

A snapshot of some of the findings from this year’s research.

73.3 % say money worries affect their mood or mental health: for many people, financial pressure can have a wider impact on how they feel day to day.

64% of women say money worries affect their stress levels: women are particularly likely to feel the impact of financial pressure through increased stress.

Younger generations and women report a stronger emotional impact: the effects of financial pressure aren’t felt equally, with some groups more likely to experience the emotional strain of money worries.

Want access to the full report? Get in touch and we’ll send it your way.

Download the extract

What makes the research interesting?

Financial wellbeing isn’t one-size-fits-all

The picture isn’t the same for everyone, our research explores how financial wellbeing differs across:

How financial pressures vary throughout different stages of life.

The different financial experiences of men and women.

How financial wellbeing varies across the UK.

The wider pressures influencing how people feel about money and their future.

What does this mean for employers?

The findings offer a snapshot of what employees are experiencing right now and provide valuable insight for organisations looking to understand and support the financial wellbeing of their people.

Want to see the full picture?

Download the 2026 Lifetime Financial Wellbeing Survey Report to explore the findings in full.

Real people. Real experiences. A clearer picture of financial wellbeing in 2026.

Download the report extract

Testimonials

See what people say about Lifetime

We’re proud to have helped thousands of people across the nation make their money work for them. But don’t just take our word for it. Read the inspiring stories and testimonials from individuals and businesses across the UK.

I recently worked with Paul Lee at Lifetime, and I couldn't be happier with the experience. Paul took the time to review my workplace pensions in detail, offering clear, in-depth analysis that genuinely helped me understand my options. His service felt truly personalised, not generic or rushed. Paul is a friendly, approachable, and genuine nice guy. He's always available when needed, returns calls promptly, and arranges meetings at times that suit me - a level of service that's rare these days. He explored multiple retirement pension options with me, explaining the pros and cons in a way that made my decision far easier. I'm extremely happy with the advice and the confidence it's given me moving forward. Highly recommend Paul for anyone looking for professional, thorough, and personable financial guidance.

Mukesh Vadukul

Paul Lee, my Lifetime financial advisor, has been an absolute star is guiding me through the process of setting up a drawdown pension prior to my retirement and arranging the monthly pension payments following my actual retirement this month. I have every confidence that Paul is working in my best interests but is always mindful of his responsibilities regarding ethical behaviour and the needs of his own employer. Well done Paul - I look forward to a long and fruitful working relationship with you.

Steve Pollard

We used Lifetime as a recommendation and couldn’t have been happier with the service. Scott Kershaw was our broker/adviser, who was prompt, reliable and very informative throughout our transaction. He found us the best deal, checked in with us regularly and made the whole process stress free. I would highly recommend him and we will definitely use him and Lifetime again

Sam Pittam

Very good service indeed. I don't feel that I was pushed into a corner in any decision that I made. I felt that I was fully informed, aware of choices, I was told about Pro's and Cons of each option but that I was always in control. Great service.

Ian Haylett

I felt that I should look into how to seek help in securing my financial position for my remaining years. I am 72. Lifetime have shown me the way to do this. They have given me the confidence to release part of my funds for them to reinvest with a view to keeping up with the rising cost of living. Kristain at Lifetime patiently guided me through the investment procedure and made sure I understood every step. I am looking forward to feeling more relaxed about my future now I have seen the projected figures drawn up by Lifetime’s experts and feel I am in safe hands.

Ann Dearman

We have just used lifetime for the 2nd time since buying our first home to remortgage and Scott was our adviser, we couldn’t recommend him enough! The whole process has been smooth and quick not to mention he got us a great deal, we will be returning to lifetime again once our fixed rate is finished, thanks again Scott!

Olivia Cawthorn

We recently used Lifetime as our fixed rate mortgage deal had come to an end and we were looking to switch to a new lender. Our mortgage Advisor, Scott made the whole process an absolute breeze. Communication was fantastic and he was very flexible when arranging meetings. Everything ran smoothly and I cannot fault a thing. Thank you again!

Chelsea Lowther

Lifetime have offered great customer service and impartial advice to help my family and I plan for the next 5-10 years to meet our financial and life goals. Paul has been very personable and explained products to both my wife and I who have varying degrees of knowledge on the financial products and he has been able to explain clearly to us so we have a full appreciation of the full product set. I feel lifetime have our personal interests at heart and often ask us to keep more cash aside to enjoy life whilst still reaching our goals. Great customer service, both personal and professional and a joy to deal with.

Mark Hield

Highly recommend it! I have so far spoken to a few consultants to have an overview of my lifetime plan and get financial advice. Everyone has been extremely friendly and helpful. James Allen has been brilliant in gathering insights from our conversation and going through my Financial plan video. James Fisher has given me great financial advice making me realise how to get the most out of my money, helping me quickly change directions. I have spoken to other people in the company and can say that even though I was sceptical at first, I would definitely recommend their services.

Jessica Giannecchini

I have had a very positive experience with Lifetime. Scott and Sam have been exceptional with the service and advice they have given me. I cannot praise them enough and look forward to an ongoing relationship with this organisation.

Nick Timperley