Close to a quarter of Americans say the financial choices they make in December set the tone for the new year (21%), according to new Empower research. 

Half of Americans don’t know what the “right” amount is to give, even though 50% feel pressure to spend a certain amount on gifts, according to new Empower research. This tension may signal a sense of economic uncertainty, as three in 4 (75%) say gifts are more expensive due to tariffs and inflation.