{"id":424,"date":"2022-03-08T23:00:19","date_gmt":"2022-03-08T23:00:19","guid":{"rendered":"https:\/\/market-wisdom.com\/?p=424"},"modified":"2022-08-15T16:26:46","modified_gmt":"2022-08-15T16:26:46","slug":"savings-rate-tanking-again","status":"publish","type":"post","link":"https:\/\/market-wisdom.com\/index.php\/2022\/03\/08\/savings-rate-tanking-again\/","title":{"rendered":"Savings rate tanking again?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Background<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Readers of this blog know that the\u00a0<a href=\"https:\/\/market-wisdom.com\/index.php\/2020\/03\/09\/spending-into-oblivion-the-disturbing-trend-in-the-personal-savings-rate\/\">long term savings rate plummeted<\/a>\u00a0as Boomers entered the workforce.\u00a0\u00a0This presents a huge risk to many households\u2019 ability to retire comfortably.\u00a0\u00a0But with the pandemic came a gusher of money into the pockets of Americans.\u00a0\u00a0Initially, this led to a big jump in the savings rate.\u00a0\u00a0Have Americans continued to save, or is the savings rate tanking 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\/2022\/03\/BEA-Dec-2021-savings-rate.png?resize=840%2C600&#038;ssl=1\" alt=\"\" class=\"wp-image-425\" width=\"840\" height=\"600\" srcset=\"https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/03\/BEA-Dec-2021-savings-rate.png?resize=1024%2C732&amp;ssl=1 1024w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/03\/BEA-Dec-2021-savings-rate.png?resize=300%2C214&amp;ssl=1 300w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/03\/BEA-Dec-2021-savings-rate.png?resize=768%2C549&amp;ssl=1 768w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/03\/BEA-Dec-2021-savings-rate.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<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\/2022\/03\/BEA-income-spending-Dec-2021.png?resize=840%2C600&#038;ssl=1\" alt=\"\" class=\"wp-image-427\" width=\"840\" height=\"600\" srcset=\"https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/03\/BEA-income-spending-Dec-2021.png?resize=1024%2C732&amp;ssl=1 1024w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/03\/BEA-income-spending-Dec-2021.png?resize=300%2C214&amp;ssl=1 300w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/03\/BEA-income-spending-Dec-2021.png?resize=768%2C549&amp;ssl=1 768w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/03\/BEA-income-spending-Dec-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>Regrettably\u2026yes:\u00a0\u00a0\u00a0<\/strong>The savings rates has dropped back down to 8%, a pre-pandemic rate.\u00a0\u00a0In January of 2022 it dropped even further, to 6.4%.<\/li><li><strong>Spending is the highest\u2026ever<\/strong>:\u00a0\u00a0In the fourth quarter of 2021, American households spent $4.1 trillion.<strong>\u00a0\u00a0<\/strong>This is a new record.\u00a0\u00a0It\u2019s driven most by\u00a0<a href=\"https:\/\/market-wisdom.com\/index.php\/2022\/02\/24\/6-reasons-your-spending-is-the-highest-ever\/\">jumps in spending<\/a>\u00a0on cars, food, housing, and health care.<\/li><li><strong>The pandemic \u201cslowdown\u201d lasted only one quarter:\u00a0\u00a0<\/strong>The popular perception is that for much of the past two years we\u2019ve been holding off on spending.\u00a0\u00a0The reality is that once the first stimulus check hit our pocketbooks, we immediately did what the government wanted us to do.\u00a0\u00a0Spend.\u00a0\u00a0<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Implications<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There\u2019s plenty of analysis showing that a 7% savings rate isn\u2019t high enough to provide adequate funding for many households\u2019 retirement goals.&nbsp;&nbsp;The one small bright spot in this data is that with income also higher than ever, the absolute dollar amount of savings is larger than before the pandemic.&nbsp;&nbsp;It\u2019s not that much more, though.&nbsp;&nbsp;As a result, the issue is that once again our culture of consumption means that we are giving up future comfort in return for current retail therapy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certainly every client has a different situation.\u00a0\u00a0That said, it\u2019s quite likely that most banking and brokerage clients are not saving as much as they should and would benefit from any counsel that drives them in this direction.<\/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<p class=\"wp-block-paragraph\"><strong>The small print<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This data is from the&nbsp;<a href=\"https:\/\/www.bea.gov\/data\/consumer-spending\/main\">Bureau of Economic Analysis<\/a>.&nbsp;&nbsp;I\u2019ve used actuals, not inflation adjusted numbers.&nbsp;&nbsp;&nbsp;This doesn\u2019t change any conclusion \u2013 up until the last couple months inflation has been quite low.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Background Readers of this blog know that the\u00a0long term savings rate plummeted\u00a0as Boomers entered the workforce.\u00a0\u00a0This presents a huge risk to many households\u2019 ability to retire comfortably.\u00a0\u00a0But with the pandemic came a gusher of money into the pockets of Americans.\u00a0\u00a0Initially, this led to a big jump in the savings rate.\u00a0\u00a0Have Americans continued to save, or &hellip; <a href=\"https:\/\/market-wisdom.com\/index.php\/2022\/03\/08\/savings-rate-tanking-again\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Savings rate tanking again?&#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":[9,1],"tags":[],"class_list":["post-424","post","type-post","status-publish","format-standard","hentry","category-saving-and-retirement","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Savings rate tanking again?<\/title>\n<meta name=\"description\" content=\"Despite the strong economy, the personal savings rate is tanking again, now at pre-pandemic levels. 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