The 15 US cities where residents have the healthiest finances

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.

Check out the top cities in the slideshow below:

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15 US cities where residents have the healthiest finances
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15 US cities where residents have the healthiest finances

15. Lincoln, Nebraska

Population: 277,348

Credit standing: 10

Responsible spending: 14

Savings: 121

Risk exposure: 66

Earning power: 24 

Photo credit: Getty

14. Plano, Texas

Population: 283,558

Credit standing: 29

Responsible spending: 23

Savings: 71

Risk exposure: 42

Earning power:

Photo credit: Getty

13. Gilbert, Arizona

Population: 247,542

Credit standing: 75

Responsible spending: 43

Savings: 84

Risk exposure: 18

Earning power:

Photo credit: Getty

12. Washington, DC

Population: 672,228

Credit standing: 62

Responsible spending: 45

Savings: 3

Risk exposure: 34

Earning power: 67

Photo credit: Getty

11. Scottsdale, Arizona

Population: 236,839

Credit standing: 25

Responsible spending: 52

Savings: 84

Risk exposure: 19

Earning power:

Photo credit: Getty

10. St. Paul, Minnesota

Population: 300,851

Credit standing: 12

Responsible spending: 50

Savings: 12

Risk exposure: 78

Earning power: 40  

Photo credit: Getty

9. Minneapolis

Population: 410,939

Credit standing: 15

Responsible spending: 53

Savings: 4

Risk exposure: 79

Earning power: 42 

Photo credit: Getty

8. Sioux Falls, South Dakota

Population: 171,544

Credit standing: 20

Responsible spending: 18

Savings: 19

Risk exposure: 63

Earning power: 13 

Photo credit: Getty

7. Irvine, California

Population: 256,927

Credit standing: 7

Responsible spending: 40

Savings: 97

Risk exposure: 5

Earning power: 21 

Photo credit: Getty

6. Overland Park, Kansas

Population: 186,515

Credit standing: 16

Responsible spending: 72

Savings: 43

Risk exposure: 33

Earning power:

Photo credit: Getty

5. Madison, Wisconsin

Population: 248,951

Credit standing: 5

Responsible spending: 31

Savings: 20

Risk exposure: 30

Earning power: 19 

Photo credit: Getty

4. San Jose, California

Population: 1,026,908

Credit standing: 4

Responsible spending: 108

Savings: 22

Risk exposure: 3

Earning power: 62 

Photo credit: Getty

3. Seattle

Population: 684,451

Credit standing: 9

Responsible spending: 97

Savings: 1

Risk exposure: 22

Earning power: 11 

Photo credit: Getty

2. Fremont, California

Population: 232,206

Credit standing: 1

Responsible spending: 7

Savings: 51

Risk exposure: 1

Earning power: 24 

Photo credit: Getty

1. San Francisco

Population: 864,816

Credit standing: 2

Responsible spending: 54

Savings: 11

Risk exposure: 2

Earning power: 35 

Photo credit: Getty

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