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Sure, you’re doing a great job living a frugal lifestyle, but what about the rest of your state? Are you the lone soldier fighting the good fight, or is your community right there beside you?
Social media agency Socially Powerful put together a report of the most “financially irresponsible” states in the country, pulling data from ICSC, UpgradedPoints, WalletHub, Equifax, Bankrate, Raisin, and Wikipedia, and more. Here’s what they had to say.
Population (2025): 7,946,241
Median household annual income (2023): $94,605
Average Retirement Savings (2024): $469,987
Average Credit Score (2024): 722
Average Monthly Spending on Amazon: $112.06
When you’re the first state to recreationally legalize the green stuff, maybe it makes sense that your unnecessary spending might go up.
Population (2025): 30,377,670
Median household annual income (2023): $75,780
Average Retirement Savings (2024): $434,328
Average Credit Score (2024): 686
Average Monthly Spending on Amazon: $98.66
Thirty million people is no joke of a population. That Amazon spending seems… low?
Population (2025): 5,942,925
Median household annual income (2023): $92,911
Average Retirement Savings (2024): $449,719
Average Credit Score (2024): 720
Average Monthly Spending on Amazon: $93.96
Probably blowing all their money on ski trips, I bet.
Population (2025): 22,431,101
Median household annual income (2023): $73,311
Average Retirement Savings (2024): $428,997
Average Credit Score (2024): 698
Average Monthly Spending on Amazon: $98.42
Florida is known for a lot of things, but doing the responsible thing us not typically one of them.
Population (2025): 1,099,146
Median household annual income (2023): $84,972
Average Retirement Savings (2024): $392,622
Average Credit Score (2024): 713
Average Monthly Spending on Amazon: $98.06
Talk about Richie Riches; they’re probably burning money for sport from their private beach houses on the coast.
Population (2025): 39,808,306
Median household annual income (2023): $95,521
Average Retirement Savings (2024): $452,135
Average Credit Score (2024): 712
Average Monthly Spending on Amazon: $90.52
Californians may not spend their money wisely, but that’s only because there are 10 million cool and interesting things you can spend it on every single day when you live there.
Population (2025): 11,053,709
Median household annual income (2023): $74,632
Average Retirement Savings (2024): $435,254
Average Credit Score (2024): 686
Average Monthly Spending on Amazon: $88.77
There’s a lot of money in Georgia, especially Atlanta, and people with a lot of money enjoy spending it.
9. Population (2025): 7,092,000
Median household annual income (2023): $67,631
Average Retirement Savings (2024): $376,476
Average Credit Score (2024): 697
Average Monthly Spending on Amazon: $124.22
Are we really dunking on Tennessee for having a credit score of 697? That’s still considered pretty good.
Population (2025): 7,363,244
Median household annual income (2023): $77,315
Average Retirement Savings (2024): $427,418
Average Credit Score (2024): 703
Average Monthly Spending on Amazon: $91.55
If I lived in that type of horrendous desert heat, you can bet your sweet bippy I’d be irresponsibly online shopping for luxuries.
Population (2025): 2,105,525
Median household annual income (2023): $62,268
Average Retirement Savings (2024): $428,041
Average Credit Score (2024): 695
Average Monthly Spending on Amazon: $110.56
Still a better credit score than a lot of people. Just saying.
