This story is co-published with and supported by the journalism non-profit the Economic Hardship Reporting Project

This election may well come down to one critical question: whether voters feel like they are better off now than they were four years ago. Although experts say important economic metrics are doing well or trending in a positive direction, some Americans may not feel it when they stress about their tight budget.

Like many Americans, I’ve experienced my share of financial challenges. At the end of last year, a contract gig I’d had for five years – one that represented more than half my income – suddenly ended due to lack of funding. During the past year, other members of my household experienced a job loss or significant reduction in their work hours.

Our household income is now roughly 25% of what it was two years ago. We survive on much less, with each dollar stretched thin as we’re feeling the impact of rising interest rates and the rapidly increasing cost of essentials like groceries.

Much of this can be linked to the pandemic. Almost everything we buy is more expensive – in large part due to corporate greed. Businesses, including grocery stores, that hiked their prices during the pandemic kept them high. Layoffs are happening everywhere as companies that received pandemic-related assistance like Paycheck Protection Program (PPP) loans – which in some cases required them to maintain staffing levels – seem to have reached a point where they feel comfortable reducing their workforce.

With the aftermath of economic uncertainty still hanging over the country, I reached out to voters to see how their financial situations will influence their decision this election.

Sa’iyda Shabazz, 38

Location: Los Angeles, California

Occupation: digital media editor/creator

Household: lives with wife, 44, and son, 11

Shabazz has become adept at financial juggling. Her total annual household income is less than $70,000 – which doesn’t go far in an area with a high cost of living. “Rent is almost $4,000 a month not counting utilities,” she says. Groceries are the family’s other biggest expense. “We spend easily $300-$400 a month for a family of three that includes a growing boy who likes fruit. Everything has gotten more expensive. Groceries, gas, rents.”

Shabazz works in digital media, and says: “My opportunities to work have slowed considerably, which has majorly impacted my ability to make money and stay above water when it comes to affording life. We try to tighten the purse strings, but there aren’t any to tighten.”

Shabazz plans to vote for Kamala Harris, saying: “As a low-income person, I can’t fathom voting for Trump, whose solution to current economic issues is to make other countries pay for our problems. I’m definitely paying attention to the Harris campaign’s stances on inflation, price gouging, and how she plans to handle things like grocery prices and gas prices …

“I really hope that they look into the astronomical rise in housing costs. Housing eats up so much of our monthly finances, and there’s no reason for it.”

Melanie Sparks, 49

Location: Lexington, Kentucky

Occupation: small-business owner

Household: lives with husband, 56, and daughter, 13.

Sparks, who describes her income as lower-middle to middle class, says her mortgage is her largest expense – currently almost $1,800 including the loan, home insurance and property taxes: “The payment has steadily increased every year since we bought it in 2020.” The family’s second-largest expense is food, including groceries and restaurants, which in total costs $1,200-$1,500 in a typical month.

Then there are unpredictable expenses, like needing new tires or her dogs getting sick. Sparks says her business isn’t doing as well as it was a few years ago, and revenue has dropped by 20-30%: “Just about every expense has gone up, from the mortgage increasing $90 a month this summer, to the propane budget plan going up $50 a month. Car insurance is up; food costs are up; interest rates on my credit card debt went up. …

“It feels like I’m drowning … We are one crisis away from going broke.”

Sparks’ biggest concern this election is the economy, but she isn’t excited about the choices. “Frankly, I’m sick of the arguing and pettiness from both parties and wish we had a viable third party. I’m not confident in either candidate at this point. And I’m anxious about what will happen after the election, regardless of who wins,” she says.

Anne Marsh

Location: North Carolina

Occupation: nanny

Anne Marsh recently moved from Texas to North Carolina with the family she nannies for, receiving a 20% raise from last year. “In 2020, when Biden/Harris were elected, I was ‘temporarily retired’ (read: unemployed), but I had a healthy inheritance to live on, thanks to my aunt and uncle,” she said. Since then, she said, prices have increased around her but she’s been using loyalty cards and other discounts to make do.

There’s no doubt in Marsh’s mind about whom to support in this election. “I’m a die-hard Harris voter,” Marsh says, noting she would have voted for Biden if he had stayed in the race. “I think the president has done an incredible job of pulling us out of some of the debt that [Trump] incurred, as well as ensuring that unemployment and job growth have gone in the right directions and getting us through most of Covid without requiring us to drink bleach or use lights on our insides.”

Marsh is also basing her vote on the reproductive health issues, saying: “Most of all, I’m voting for Harris and Walz because they’re actual human beings with sympathy and empathy and consideration for others, unlike their opposition.”

Leigh Shulman, 52

Location: Argentina, but votes as a Georgia overseas voter

Occupation: author and writing mentor

Household: lives with husband, 52, and son, 10. Also has a daughter, 20, who is away at college

Shulman, who describes her household income as upper middle-class, says her family is doing better financially than during the last year of the Trump administration: “My financial situation is better now than it was four years ago. Our investments have gone up quite a bit. I live in Argentina, where the dollar goes farther, and while inflation here has been awful, the dollar rate to peso rate means we don’t pay more for things than we did four years ago.”

How does their financial situation affect her vote? “Not at all,” she says. “I’d vote for Kamala over Trump any day. To be honest, the idea of having Trump back in the White House is horrifying. He was so much worse than I thought he’d be the first time around. I can’t imagine what he’ll do this time. But this isn’t a hold-your-nose-and-vote situation for me, though. I’m actually happy to vote for Kamala. The main issues for me are women’s rights and education. Healthcare comes a close second, too. As an educator, I believe a leader who doesn’t support education wants an uneducated populace who won’t push back.”

Deseri Eaton, 35

Location: Marin county, California

Household: single mother to a 10-year-old son

Occupation: sporadic gig work; currently looking for a job

Deseri Eaton and her son are surviving on $1,000–$1,300 per month, mostly income she earns from house-sitting and pet-sitting. Her largest expense is her car payment of nearly $600 (car insurance is about another $200), and her son’s school tuition, along with utility expenses, credit cards and essentials like her son’s braces.

“The thing that had the biggest impact was not getting into my master’s program. Leaving me jobless and relying on a stipend I didn’t receive. Also, not getting the free [guaranteed income] pilot money any more,” she says. Eaton had been participating in Marin county’s guaranteed income pilot program, which ended this spring: “I’m trying to get a job. Working my business as much as I can. And might surrender my vehicle, which is the biggest bill right now.”

Eaton says she is currently unsure who she will vote for – with so much of her time and energy focused on basic survival, she hasn’t watched any of the debates.

Jaclyn Cirinna, 26

Location: Florida

Occupation: youth and juvenile justice advocate

Household: lives alone

“The past four years have been a roller coaster, professionally and personally,” Cirinna says. She has worked most recently for a non-profit focused on justice and is pursuing full-time entrepreneurship.

“Being my boss allows me to have more flexibility and control over my job security and accommodates my current health needs due to a car accident,” she says. “I moved from Massachusetts to Florida to try and reduce my cost of living, but Florida feels just as expensive.”

She says many issues matter to her in this election, saying: “As a woman in her peak childbearing years, I like that Kamala Harris has made reproductive rights a central part of her campaign.” The economy and cost of living are important to her, too, especially in the wake of her recent layoff and health issues that limit the types of work she can do.

“I like that VP Harris supports small businesses. I want to hear more about her strategy. Trump constantly talks about fighting inflation and making America affordable, but at what cost? I do not necessarily have faith in his ability to complete this promise. He wants to fix inflation by reducing the rights of immigrants. I do not support this. In general, I wish that both candidates talked about issues that impact everyone – I want community solutions at the forefront, not just for specific Americans. Such as inflation, gas prices, housing accessibility and affordability, food costs, it’s all connected!”

Ned Barnett, 73

Location: Nevada

Occupation: freelance writer and writing consultant

Household: lives with wife

Ned Barnett says his income would probably be considered middle-class. “My wife and I live on social security, plus any gig work we can do,” he says. “She is a highly skilled book editor, and is currently editing a novel. I am a freelance writer and a consultant to other writers, and the money we bring in covers what social security doesn’t, but our income varies.”

Barnett says one core issue is very important to him in this election: “With the economy what it is, including rent, we are definitely planning to vote with our wallets.” He notes that the presidential race “has been back and forth, but I think Trump is moving into the lead – not because he’s tamed his wild-man tweets and comments, but because my memory allows me to remember what the economy (and our lifestyle) was four years ago, versus what it is today.

“When Trump was president before, our economy boomed. Now, not so much.”

Barnett said he didn’t vote for Trump in 2016. “His bombast outweighed his sensible (to us) policy predictions, his tough stance internationally, and all the rest. But he’s a boor. However, we don’t like Hillary, so we voted independent. We knew it was a wasted vote, but we believe in voting. But in 2020, we’d begun to realize that there was more to Trump than Truth Social – his policies worked, the economy worked, and we got by without me having to work more than part time. Now, four years on, we can’t afford even our reduced lifestyle, and want Trump and his ‘magic wand’ back to turn things around.”