The 15 US cities where residents have the healthiest finances

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Seattle residents rank No. 1 in the country for healthy savings habits.
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Checubus/Shutterstock

Money continues to be a leading cause of stress in America today, and much of it revolves around the struggle to get our financial houses in order.

But making an effort to tackle the basics – like building good credit, minimizing debt, saving for emergencies, and preparing for retirement – can make all the difference.

Personal-finance site WalletHub recently conducted its ranking of the best cities for financial fitness in America, zeroing in on residents from the 150 largest metro areas. Each metro was ranked in five categories that WalletHub deemed crucial to financial well-being: credit standing, responsible spending, savings, risk exposure, and earning power. (Read their full methodology here).

Three of the top five cities with the most financially fit residents are in California, including San Francisco in the No. 1 spot and the Bay Area-city of Fremont coming in at No. 2.

Below are the top 15 US cities as well as their ranking in each of the five categories of financial fitness.

All population figures are from the US Census Bureau‘s July 2015 population estimates.


15. Lincoln, Nebraska

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Katherine Welles/Shutterstock

Population: 277,348

Credit standing: 10

Responsible spending: 14

Savings: 121

Risk exposure: 66

Earning power: 24


14. Plano, Texas

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Facebook/Visit Plano

Population: 283,558

Credit standing: 29

Responsible spending: 23

Savings: 71

Risk exposure: 42

Earning power: 5


13. Gilbert, Arizona

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Tim Roberts Photography/Shutterstock

Population: 247,542

Credit standing: 75

Responsible spending: 43

Savings: 84

Risk exposure: 18

Earning power: 1


12. Washington, DC

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Orhan Cam/Shutterstock

Population: 672,228

Credit standing: 62

Responsible spending: 45

Savings: 3

Risk exposure: 34

Earning power: 67


11. Scottsdale, Arizona

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Tim Roberts Photography/Shutterstock

Population: 236,839

Credit standing: 25

Responsible spending: 52

Savings: 84

Risk exposure: 19

Earning power: 4


10. St. Paul, Minnesota

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Wikimedia

Population: 300,851

Credit standing: 12

Responsible spending: 50

Savings: 12

Risk exposure: 78

Earning power: 40


9. Minneapolis

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photo.ua/Shutterstock

Population: 410,939

Credit standing: 15

Responsible spending: 53

Savings: 4

Risk exposure: 79

Earning power: 42


8. Sioux Falls, South Dakota

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SeaBear70/Wikimedia Commons

Population: 171,544

Credit standing: 20

Responsible spending: 18

Savings: 19

Risk exposure: 63

Earning power: 13


7. Irvine, California

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University of California, Irvine/Facebook

Population: 256,927

Credit standing: 7

Responsible spending: 40

Savings: 97

Risk exposure: 5

Earning power: 21


6. Overland Park, Kansas

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Facebook/Overland Park Farmers Market

Population: 186,515

Credit standing: 16

Responsible spending: 72

Savings: 43

Risk exposure: 33

Earning power: 2


5. Madison, Wisconsin

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Shutterstock

Population: 248,951

Credit standing: 5

Responsible spending: 31

Savings: 20

Risk exposure: 30

Earning power: 19


4. San Jose, California

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Shutterstock/Mariusz S. Jurgielewicz

Population: 1,026,908

Credit standing: 4

Responsible spending: 108

Savings: 22

Risk exposure: 3

Earning power: 62


3. Seattle

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Shutterstock

Population: 684,451

Credit standing: 9

Responsible spending: 97

Savings: 1

Risk exposure: 22

Earning power: 11


2. Fremont, California

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Flickr/vzaliva

Population: 232,206

Credit standing: 1

Responsible spending: 7

Savings: 51

Risk exposure: 1

Earning power: 24


1. San Francisco

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Benny Marty/Shutterstock

Population: 864,816

Credit standing: 2

Responsible spending: 54

Savings: 11

Risk exposure: 2

Earning power: 35