06 Nov 2025

nest insight: Bridging gaps, building resilience

This report shares the findings of the first stage of nest’s financial resilience project to develop and trial new solutions for the millions of UK workers who lack financial resilience.

It maps the landscape of the existing evidence about what works to build financial resilience and includes research to understand household needs.

The report highlights eight ‘enablers of resilience’: networks, credit, confidence, insurance, savings, work, community and welfare. Among the solutions to increasing financial resilience the report recommends are joined-up borrowing solutions, deposit and progression loans, and volatility smoothing and support, including flexed payroll-linked savings.

Download the full report to find out:

27% of individuals with low financial resilience are aged between 16 and 34, whereas 11% of individuals with very high financial resilience are aged between 16 and 34.
36% of women have low or very low levels of financial resilience compared to 27% of men.
47% of households in the rented sector have low or very low financial resilience compared with 22% of households with a mortgage.