In recent years, as inflation and interest rates have climbed, financial experts have inundated consumers with advice on how to cut costs. However, a new survey from Wells Fargo reveals that many Americans are experiencing "advice fatigue." According to the 2025 Wells Fargo Money Study, which surveyed nearly 4,000 individuals, several common cost-cutting tips have become particularly irksome. Instead of feeling inspired, many consumers find these suggestions annoying or unhelpful.

One of the most disliked pieces of advice is the suggestion to get a side hustle. The study found that 44% of respondents are tired of hearing this tip, while only 14% found it valuable. The idea of taking on a second job doesn't sit well with many who already juggle multiple responsibilities. Similarly, the advice to cook at home instead of dining out has also lost its appeal. While it's true that preparing meals at home can save money, 44% of consumers are weary of being told to stay in, preferring the convenience and enjoyment of eating out.

Despite the backlash against certain tips, some financial advice still resonates positively. For instance, the concept of "pay yourself first" received more approval than disapproval, with 23% of respondents appreciating the idea compared to 19% who found it off-putting. This advice encourages saving money before spending, promoting a sense of self-care and financial security. Another tip that garnered more positive feedback was maximizing retirement contributions. In the survey, 20% of consumers liked this advice, recognizing the long-term benefits of contributing to retirement accounts like 401(k)s or IRAs.

Ultimately, the survey highlights the need for financial advice that feels empathetic and practical rather than judgmental. Consumers are looking for guidance that respects their individual circumstances and offers realistic solutions. By focusing on actionable and non-preachy advice, financial experts can better support people in achieving their financial goals without adding unnecessary stress or frustration.