{"id":398,"date":"2021-08-10T20:53:40","date_gmt":"2021-08-10T20:53:40","guid":{"rendered":"https:\/\/market-wisdom.com\/?p=398"},"modified":"2021-09-03T17:06:44","modified_gmt":"2021-09-03T17:06:44","slug":"spending-like-its-2019","status":"publish","type":"post","link":"https:\/\/market-wisdom.com\/index.php\/2021\/08\/10\/spending-like-its-2019\/","title":{"rendered":"Spending like it\u2019s 2019"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Background<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As we entered the pandemic, people stopped spending and sat at home.&nbsp;&nbsp;Now that the country has largely reopened and people are getting out, what has this meant for their finances?&nbsp;&nbsp;We have already seen&nbsp;<a href=\"https:\/\/market-wisdom.com\/index.php\/2021\/05\/23\/post-pandemic-spending-splurge\/\">indications of increased spending<\/a>.&nbsp;&nbsp;Are people really spending like it\u2019s 2019 again?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Findings&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/08\/Income-and-spend-Jun-2021.png?resize=840%2C600&#038;ssl=1\" alt=\"\" class=\"wp-image-399\" width=\"840\" height=\"600\" srcset=\"https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/08\/Income-and-spend-Jun-2021.png?resize=1024%2C732&amp;ssl=1 1024w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/08\/Income-and-spend-Jun-2021.png?resize=300%2C214&amp;ssl=1 300w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/08\/Income-and-spend-Jun-2021.png?resize=768%2C549&amp;ssl=1 768w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/08\/Income-and-spend-Jun-2021.png?w=1100&amp;ssl=1 1100w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Spending is back:&nbsp;&nbsp;&nbsp;<\/strong>Personal consumption is at its highest level\u2026ever.&nbsp;&nbsp;The&nbsp;<a href=\"https:\/\/www.bea.gov\/data\/income-saving\/personal-saving-rate\">BEA reports<\/a>&nbsp;that in June spending was over $1.3 trillion \u2013 the highest month on record.<\/li><li><strong>Income is higher than its pre-pandemic level, most impacted by stimulus payments:&nbsp;&nbsp;<\/strong>March 2021 was the biggest distribution; about $400 billion in extra money flowed to individuals.&nbsp;&nbsp;A smaller but notable impact was that workers\u2019 wages and salaries were up 4% vs. February of 2020.&nbsp;&nbsp;With&nbsp;<a href=\"https:\/\/www.bls.gov\/news.release\/pdf\/empsit.pdf\">unemployment dropping<\/a>&nbsp;but still above pre-pandemic levels, something else is happening with worker pay (topic for a different post).<\/li><li><strong>The savings rate has regressed to about where it was pre-COVID:&nbsp;&nbsp;<\/strong>As stimulus fades and spending grows, the June savings rate was 9.4%.&nbsp;&nbsp;This is well down from the \u201ccocooning\u201d days of 2020.&nbsp;&nbsp;It\u2019s only one percentage point higher than in February of 2020.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Implications<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">People aren\u2019t spending like it\u2019s 2019 \u2013 they\u2019re spending more!&nbsp;&nbsp;Perhaps this is just making up for what they didn\u2019t do in 2020 \u2013 buying cars, taking vacations.&nbsp;&nbsp;However, it appears that the panic saving of early 2020 is a distant memory.&nbsp;Experience with past recessions shows that Americans quickly forget the pain of financial pressure and jump back on the spending bandwagon.&nbsp;&nbsp;Extensive government stimulus appears to be doing what it was intended to do \u2013 drive spending to juice the economy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The challenge is that Americans are returning to a savings rate that is unlikely to deliver the retirement that they desire.\u00a0\u00a0This may be a moment for financial advice that counsels moderation in the spending, while recognizing you can\u2019t shut down the splurge.\u00a0\u00a0Of course, the numbers in this discussion are averages.\u00a0\u00a0This\u2013 hides big differences between struggling households that are underemployed, and white collar households that stayed employed and got extra money dropped in their wallets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em><a href=\"https:\/\/market-wisdom.com\/index.php\/sign-up-for-cool-weekly-insights\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sign up for the weekly insights email!<\/a><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The small print<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This data is pretty straightforward and consistent, coming from the monthly Bureau of Economic Analysis release.&nbsp;&nbsp;Disposable income includes a range of categories that I didn\u2019t discuss but also didn\u2019t change much \u2013 income from assets (dividends, interest), rental income, business income.&nbsp;&nbsp;Consumption is a big category and will be evaluated more in the next post.&nbsp;&nbsp;&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Background As we entered the pandemic, people stopped spending and sat at home.&nbsp;&nbsp;Now that the country has largely reopened and people are getting out, what has this meant for their finances?&nbsp;&nbsp;We have already seen&nbsp;indications of increased spending.&nbsp;&nbsp;Are people really spending like it\u2019s 2019 again? Findings&nbsp; Spending is back:&nbsp;&nbsp;&nbsp;Personal consumption is at its highest level\u2026ever.&nbsp;&nbsp;The&nbsp;BEA reports&nbsp;that &hellip; <a href=\"https:\/\/market-wisdom.com\/index.php\/2021\/08\/10\/spending-like-its-2019\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Spending like it\u2019s 2019&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7,1],"tags":[],"class_list":["post-398","post","type-post","status-publish","format-standard","hentry","category-covid-financial-behavior","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Spending like it\u2019s 2019 : Winning with the financial services consumer<\/title>\n<meta name=\"description\" content=\"We already know Americans are spending more as the country reopens. 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