This report by the Centre for Social Impact and National Australia Bank measures financial exclusion and resilience in Australia. Based on a nationwide survey of over 2000 people, key findings show that access to financial products and services has gotten worse, but understanding of and confidence in using financial services and products has increased. People living in very short-term rentals, born in a non-English speaking country, and with a mental illness were more likely to be in severe financial stress. The report calls for a concerted cross-sectoral response to improve financial resilience in Australia.