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What Optimism Means

True optimism is a mindset about determination, resilience and grit. And there’s never been a better time for it.

At Frost, we borrow our definition from psychology—dispositional optimism—meaning optimists feel they have the tools to create a positive outcome for themselves. Optimists view their habits and behaviors as the why and how behind making good things happen.

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In the field of positive psychology we define optimism as the expectation of good things to happen and the belief that behavior matters, especially in the face of challenges.”

Michelle Gielan

Positive Psychology Researcher and Frost Partner

Why does Frost care about optimism?

We discovered that while there’s no shortage of financial advice out there, many Americans are struggling. And we want to help. So we took a deeper look at how people feel about their finances and how those feelings might determine their day-to-day actions. Our research made our mission clear: Help people become more optimistic and the rest will follow. We believe our mission is needed now more than ever.

62%

of Americans feel they are just getting by financially.

59%

of Americans say finances control their lives at least sometimes.

52%

of Americans say because of their money situation they’ll never have the things they want in life.