Many people’s finances haven’t recovered from the recession’s blows, according to a new survey by personal finance website Bankrate.com.

Bankrate surveyed 2,740 adults across the country. Of those surveyed, 2,315 were older than 18 when the recession started.

As America marks the 10th anniversary of the end of the Great Recession this month, a new Bankrate survey finds that 47 million (23%) Americans who were adults when the recession started in December 2007 say their overall financial situation is worse now than it was before it hit.

Another 1 in 4 say they are doing about the same now as they were prior to the start of the recession.

“There are still tens of millions who are struggling to even get back to where they were before the economy took a turn for the worse,” said Mark Hamrick, senior economic analyst at Bankrate.com.

“Even a modest downturn is going to cause further harm to Americans personal finances,” said Hamrick.

Underscoring the continuing U.S. economic divide, just 51% say their overall financial situation is better compared to before the 2007 recession, and several groups are more prone to say that things are worse now than they were back then:

• Twenty-six percent of those who were negatively impacted by the recession say they’re doing worse now, compared to 14% who were not negatively impacted.
• Twenty-seven percent of women say their overall financial situation is worse now, compared to 19% of men.
• Those with lower income and education levels are more likely to say they are doing worse now than before the recession.

Despite the largely positive gains associated with the job market and economic growth, most Americans report failing to experience higher pay compared to over a decade ago.

Fewer than half (46%) of those Americans who were adults at the time of the recession say their wages/salary are better than before the recession began.

• More than one-third (36%) of those who say they or their partner lost a job during the recession claim their pay is worse now than it was before the recession.
• Twenty-six percent of Baby Boomers (ages 55-73) say their pay is worse now, compared to 16% of Millennials who were adults in 2007 (those aged 29-38).
• Women, lower earners and those with a High School diploma or less are all more likely than their counterparts to indicate a decline from their pre-recession income.

“The echoes of the Great Recession remain very present in the financial lives of many Americans, despite the improvement in the broader economy,” said Mark Hamrick, senior economic analyst at Bankrate.com. “While some have managed to prosper in the decade since, there are still tens of millions who are struggling to even get back to where they were before the economy took a turn for the worse.”

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