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You are at:Home » Gen X business owners are at career peak, and Main Street’s least optimistic. Why? It’s all about the timing
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Gen X business owners are at career peak, and Main Street’s least optimistic. Why? It’s all about the timing

News RoomNews RoomOct 20, 2025 1:31 pm EDT0 ViewsNo Comments4 Mins Read
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Frazao Studio Latino|E+|Getty Images

As the U.S. economy moves through the last quarter of the year, unpredictability stays a continuous. Customers and big corporations are revealing durability, however Main Street is still feeling the capture of inflation and moving policies.

The outcome? These blended signals are keeping numerous small company owners on the sidelines when it concerns working with and financial investment. Our most current CNBC|SurveyMonkey Small company Study records this divide– and exposes how business owners are weighing threat in today’s irregular economy.

This quarter’s information reveals a sharp generational divide. While some small company owners stay confident, Gen X business owners are bring the most financial stress and anxiety. They’re the least positive group when it concerns both their own service stability and the more comprehensive U.S. outlook, a reflection of the installing pressure on Gen X leaders to sustain development in an unforeseeable economy.

The findings indicate a twofold obstacle: developed Gen X owners are most anxious about today, while more youthful business owners are progressively nervous about what’s ahead. Gen Z and millennial company owner reveal the greatest issue about a prospective economic crisis, even as they stay more positive about development long-lasting.

For Gen X business owners– numerous in their peak earning and development years– today’s pressures are front and center. These small company owners are laser-focused on near-term financial hazards, from increasing expenses to moving need.

Gen X regularly reveals the least self-confidence in today’s economy and service environment:

  • Thirty-nine percent of Gen X small company owners point out tasks and the economy as their leading concern, outmatching all other age (33% of Gen Z and millennials, and 25% of boomers/Silent Generation) and towering over other issues like healthcare (15%), migration (14%), and education (5%).
  • Just one in 3 (35%) Gen X small company owners state present service conditions are excellent, compared to 48% of Gen Z and millennials, and 40% of Silent/Boomers.
  • Even with just a small distinction throughout generations, Gen X owners stay the most doubtful about the state of the economy, with just 34% presently seeing it as outstanding or excellent. Though it is still a minority of these groups, there is relative optimism seen amongst both Gen Z and millennials (39%) and their boomer/silent equivalents (42%).

For these business owners at the height of their professions, financial stress is consistent and concrete. Inflation, labor expenses and functional stability tax their outlook, forming a more mindful view of the year ahead.

That uncertainty extends beyond their own operations to the organizations forming the economy. When inquired about the efficiency of the Federal Reserve in combating inflation, Gen X small company owners once again stand apart as the most doubtful group. Just 37% of these owners are positive in the Federal Reserve’s capability to manage inflation, tracking the bigger portions of self-confidence reported by Gen Z and millennials (43%), and boomers/Silent Generation (48%) small company owners.

However at the exact same time, Gen Z and millennial business owners are focused on what’s next. Seventy-three percent anticipate a U.S. economic crisis, compared to 66% of Gen X and 58% of boomers/silent.

The information highlights how small company tension and financial stress and anxiety can take various shapes throughout age associates: a downhearted present for Gen X leaders and an afraid future for the more youthful generations. Those running the bulk these days’s small companies are browsing an economy that exists factors for pessimism. Acknowledging these generational pressures– instant stress and anxiety versus looming unpredictability– is essential to comprehending the real state of Main Street as we head into the brand-new year.

— By Eric Johnson, SurveyMonkey CEO

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