Goldman Sachs Survey Exposes Paycheck-to-Paycheck U-Curve; Marcus CD Yields 4% APY
Goldman Sachs’ 2025 Retirement Survey found 16% of $200k–$300k earners live paycheck to paycheck, compared with 57% of sub-$50k earners and 41% of $300k–$500k earners, highlighting a U-curve in financial resilience. Separately, Marcus by Goldman Sachs offers a 9-month CD at 4% APY, the highest available rate today.
1. U-Curve in Financial Distress
Goldman Sachs’ 2025 Retirement Survey reveals that both low-income (57% of under $50k earners) and high-income (41% of $300k–$500k earners) cohorts report living paycheck to paycheck, illustrating a surprising U-shaped pattern in perceived financial distress.
2. Middle-Income Stability Gains
Those earning $200k–$300k report the greatest financial resilience, with only 16% living paycheck to paycheck and 56% making steady progress on both short- and long-term financial goals, the strongest performance across income groups.
3. Marcus 9-Month CD at 4% APY
Marcus by Goldman Sachs currently offers a 9-month certificate of deposit at 4% APY, the highest available rate today, reflecting elevated deposit yields in the current interest rate environment.