American households’ fears of delinquency on debts surged last month to 2020 highs.

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The economy is actually worse now than at the height of a nationwide shutdown. Recent findings from the Federal Reserve Bank of New York reveal that over 14% of American households are worried about missing a debt payment in the next three months, marking the highest level of concern since April 2020. This increase is particularly pronounced among middle-aged and high-earning respondents, highlighting a troubling trend in financial stability.

While the GDPNow forecast from the Federal Reserve Bank of Atlanta indicates that nominal GDP growth and inflation have accelerated after a slowdown in the second quarter, the latest estimate for real GDP growth in the third quarter of 2024 stands at 3.4%. Furthermore, a predicted Personal Consumption Expenditures (PCE) growth rate of 3.6% for the same period adds to the unease.

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Rising costs of living, higher interest rates, and stagnant wages are likely contributing to these concerns, creating a perfect storm where even minor financial hiccups can feel overwhelming. This environment could prompt tighter lending standards, potentially slowing economic growth further.

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