{"id":433,"date":"2022-08-15T16:43:08","date_gmt":"2022-08-15T16:43:08","guid":{"rendered":"https:\/\/market-wisdom.com\/?p=433"},"modified":"2022-08-15T16:43:11","modified_gmt":"2022-08-15T16:43:11","slug":"savings-continues-to-drop-who-cares","status":"publish","type":"post","link":"https:\/\/market-wisdom.com\/index.php\/2022\/08\/15\/savings-continues-to-drop-who-cares\/","title":{"rendered":"Savings continues to drop&#8230;who cares?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Background<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This blog has tracked the\u00a0<a href=\"https:\/\/market-wisdom.com\/index.php\/2022\/03\/08\/savings-rate-tanking-again\/\">huge jump and dramatic drop<\/a>\u00a0in the personal savings rate as the pandemic unfolded.\u00a0\u00a0The most recent government data shows that the savings rate continues to drop,  to its lowest in over 10 years.\u00a0\u00a0Why?\u00a0\u00a0What does this portend for households\u2019 financial health?<\/p>\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\/08\/Slide1.png?resize=840%2C601&#038;ssl=1\" alt=\"\" class=\"wp-image-437\" width=\"840\" height=\"601\" srcset=\"https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/08\/Slide1.png?resize=1024%2C732&amp;ssl=1 1024w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/08\/Slide1.png?resize=300%2C214&amp;ssl=1 300w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/08\/Slide1.png?resize=768%2C549&amp;ssl=1 768w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/08\/Slide1.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<h2 class=\"wp-block-heading\">Findings&nbsp;<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>The personal savings rate is at its lowest since the Great Recession:\u00a0\u00a0\u00a0The quarterly personal savings rate, what people make minus what they spend, was 5.2%.\u00a0\u00a0The last time it was this low was in 2009 on the heels of our last recession.<\/strong><\/li><li><strong>The long-term savings trend continues to be downward<\/strong>.\u00a0\u00a0<a href=\"https:\/\/market-wisdom.com\/index.php\/2020\/03\/09\/spending-into-oblivion-the-disturbing-trend-in-the-personal-savings-rate\/\">Previous analyses<\/a>\u00a0showed that since Boomers reached the workforce, savings has been on a downward slide.<\/li><li><strong>The last big stimulus was in 2021 Q1<\/strong>.\u00a0\u00a0For a year the government pumped money into the economy via households\u2019 pocketbooks.\u00a0\u00a0That\u2019s now a distant memory.<\/li><li><strong>Inflation caught up with consumers<\/strong>:\u00a0\u00a0In the 12 months ending in June 2022, the inflation rate of 9.1% exceeded the growth of household income of 3.5%.\u00a0\u00a0Buying the same amount of \u201cstuff\u201d costs more today than a year ago.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"840\" height=\"600\" src=\"https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/08\/Slide2.png?resize=840%2C600&#038;ssl=1\" alt=\"\" class=\"wp-image-438\" srcset=\"https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/08\/Slide2.png?resize=1024%2C732&amp;ssl=1 1024w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/08\/Slide2.png?resize=300%2C214&amp;ssl=1 300w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/08\/Slide2.png?resize=768%2C549&amp;ssl=1 768w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2022\/08\/Slide2.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<p class=\"wp-block-paragraph\" style=\"font-size:28px\"><strong>Implications<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">During the pandemic, households took their cue from the government and spent \u2013 a lot!&nbsp;&nbsp;But as income stops growing inflation erodes purchasing power, our spending splurge can\u2019t continue.&nbsp;&nbsp;Americans have shown little ability to save money and it looks like we\u2019ll get caught out again.&nbsp;&nbsp;While this may be short-term good news for politicians who want to keep the economy out of recession, it\u2019s bad news for households who seem unable to build a nest egg.&nbsp;&nbsp;This sets us up for a bad ending.&nbsp;&nbsp;Now is the time to get clients to practice better long-term savings hygiene.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Following posts will examine&nbsp;how&nbsp;spending has changed over the past two years.<\/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\" style=\"font-size:28px\"><strong>The small print<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The savings data is from the&nbsp;<a href=\"https:\/\/apps.bea.gov\/iTable\/iTable.cfm?reqid=19&amp;step=3&amp;isuri=1&amp;1921=survey&amp;1903=76#reqid=19&amp;step=3&amp;isuri=1&amp;1921=survey&amp;1903=76\">Bureau of Economic Analysis<\/a>.&nbsp;&nbsp;The inflation data is the Consumer Price Index from the&nbsp;<a href=\"https:\/\/www.bls.gov\/cpi\/\">Bureau of Labor Statistics<\/a>.&nbsp;&nbsp;&nbsp;And it\u2019s only fair to point out that by the traditional measure of recession, two quarters of declining Gross Domestic Product, that we\u2019re already in a recession.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Background This blog has tracked the\u00a0huge jump and dramatic drop\u00a0in the personal savings rate as the pandemic unfolded.\u00a0\u00a0The most recent government data shows that the savings rate continues to drop, to its lowest in over 10 years.\u00a0\u00a0Why?\u00a0\u00a0What does this portend for households\u2019 financial health? Findings&nbsp; The personal savings rate is at its lowest since the &hellip; <a href=\"https:\/\/market-wisdom.com\/index.php\/2022\/08\/15\/savings-continues-to-drop-who-cares\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Savings continues to drop&#8230;who cares?&#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":[1],"tags":[],"class_list":["post-433","post","type-post","status-publish","format-standard","hentry","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 continues to drop...who cares?<\/title>\n<meta name=\"description\" content=\"Savings rate continues to drop, now its lowest in over a decade. 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