Ask people if the American Dream is still possible for most, and just over half say no. Ask about their own lives, though, and the mood flips.
Most think they've made it, or believe they still will. The dream looks out of reach for everyone else, and within reach for me.
The numbers come from a new CNBC and SurveyMonkey survey. It polled 4,130 adults in early May.
Just over half said the dream is out of reach for most. Another 45% said it works for only some, and 6% said it's gone for everyone.
The biggest roadblock was clear. About 4 in 5 named the cost of living as their top barrier.
Three in 5 pointed to home prices. Nearly half blamed health costs and low pay.
People mostly agreed on what the dream even means. The top answer, picked by 72%, was financial stability, followed by owning a home at 58%.
Being happy and the freedom to chase passions came right after.
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Part of the problem is that the goalposts keep moving. In the 1950s, a middle-class life meant a small house, often with no car and no college.
Today the picture is much bigger. A larger home, a car, good health care, and college for the kids are now part of it.
It's like a finish line that backs up every time you get close. It doesn't help that wealth keeps piling up at the top.
The richest 1% of homes now hold nearly a third of all U.S. wealth. That makes the gap feel fixed to a lot of people.
The squeeze is easy to feel day to day. In one recent poll, 70% of people called the cost of living in their area unaffordable.
The split shows up in politics, too. About 70% of Republican-leaning adults said the dream is in reach, while only 26% of Democratic-leaning adults agreed.
Here's the twist in the data. People are gloomy about everyone else's odds, but they feel hopeful about their own.
A full 44% said they've already reached the dream. Of those who haven't, 55% said they're sure they will.
People are just tougher on the country than on themselves. So the dream feels broken in general, and still close enough to chase.
Young men and women split on what the dream needs, too. Gen Z men were more likely to say marriage and kids matter, while Gen Z women leaned toward stable money and the freedom to chase their goals.
That gap matters for investors, since hope is what keeps people saving and putting money to work. The dream may look shaky from far away, but up close, most still think it's theirs to win.
If you'd rather feel hopeful about your own money than gloomy about the rest, read Market Briefs each morning. A 45-minute investing course comes with it, at no charge.
