Are you a Hindered Hannah, an Optimistic Oliver or a Confident Connie? Or perhaps a Millennial Max?

Today we rolled out the inaugural U.S. Bank Possibility Index, a first-of-its-kind measure that examines how far people believe they are from realizing their personal satisfaction across the main areas of life: work, home and play. By summing participants’ scores across 10 categories, index scores are created indicating their overall sense of satisfaction, ranging from 0 to 100. Americans scored an overall 65 out of a possible 100, indicating a slightly positive outlook on their ability to achieve their goals.

Based on our overall findings, we categorized Americans into those three groups: Hindered Hannah, Optimistic Oliver and Confident Connie. We also identified a score for our millennial participants in Millennial Max.

Hindered Hannah

First, Hindered Hannah, falling on the lower end of the scale and feeling furthest away from achieving her possible. Hannah’s 46 years old and has an annual household income of $62,000. She feels unsatisfied with her life overall and has not experienced a positive change over the last year. Still, she maintains some optimism about the future. Dealing with the burden of financial pressures, she believes her finances limit her from fully enjoying all aspects of her life and are preventing her from making some major life decisions. Hindered Hannah has a Possibility Index score of 47.

Optimistic Oliver

Next, Optimistic Oliver, the average American falling in the middle range of the scale. Oliver’s 49 years old. With an annual household income of $65,000, he makes only marginally more than Hannah, yet his finances don’t cause as much of a strain on his overall life satisfaction. Though he feels his financial situation does limit his enjoyment in some aspects of life, he is relatively content with his life as is and hopeful about what’s to come. Optimistic Oliver has a Possibility Index score of 65.

Millennial Max

But let’s not forget Optimistic Oliver’s son, Millennial Max. Max is 26 years old and single. From his entry level position, he earns an annual household income of $56,000. He feels generally satisfied with his life but struggles with high levels of stress. Without a 401k or any other investments, he doesn’t feel entirely on track with his retirement plans and home-ownership goals. Millennial Max has a Possibility Index score of 66.

Confident Connie

Lastly, there’s Confident Connie, falling on the high end of the scale and closest the reaching her ideal life. Connie’s 44 years old and has an annual household income of $74,000. She feels satisfied with her life overall – more-so than she felt a year ago – and is optimistic about the future. With a job, home and family, she feels established and does not believe her financial situation significantly impedes her life enjoyment. Confident Connie has a Possibility Index score of 82.

What's next?

Across our 25-state footprint, U.S. Bank is in the business of making possible happen. We developed the U.S. Bank Possibility Index to get a glimpse into the lives and minds of Americans, measuring their satisfaction with life and identifying the barriers to achieving their possible. Through a deeper understanding of the challenges faced by individuals and as a nation, we can help more Americans accomplish their goals and achieve greater balance in their everyday lives.

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Gareth Gaston is a San Francisco-based executive vice president and the U.S. Bank Coach for the future of banking.

Posted: September 16, 2016