Independent thinking for complex markets and current events
Prices hit lowest point in at least two decades. Price-to-income ratio stuck at very high 21. In Shanghai second-hand homes around 8,000 USD per square meter. Big cities like Beijing saw prices drop sharply from 2018 peaks. 70-80% of Chinese household wealth tied to property. Estimated $18 trillion in wealth destroyed. High homeownership rate over …
Income by Race in America byu/charliehu1226 inEconomyCharts White non-Hispanic next in line. Hispanic households lower than White. Black households lowest among main groups. Chart from recent US data. Differences stay consistent over years. Factors like education, family structure, and location play role. Asians often include high-earning subgroups like Indian Americans.
This is up 10.5 percent from 717 dollars same period last year. NEADA report say this is record high because electricity prices rise and summer very hot. Since 2020 cooling costs up almost 40 percent even after inflation. One in six households already behind on utility bills. Many low income families under 50k dollars struggle …
Banks syndicating massive European bond sales at unprecedented pace H1 2026 already beats full pandemic emergency borrowing Italy alone raised $81 billion while Germany UK and others set records US debt service headed toward $17,000 per household by 2036 Politicians treating record borrowing as the new normal U.S. DEBT CRISIS DEEPENS: INTEREST COSTS COULD HIT …
I was reading a recent JPMorgan strategy note and one stat really caught my attention. US household wealth is now sitting around 630% of GDP. For context, it was roughy 486% during the Dot-Com bubble and about 435% before the 1987 crash. It´s obviously that doesn’t mean a crash is around the corner, but it …
Order boosts access to 401k and IRA accounts for more workers.. President called participation numbers “incredible”.. Some wonder whether this quietly channels more household money into markets while easing long term pressure on government programs.. President Trump signed an EO on April 30 to launch TrumpIRA.gov in 2027. It utilizes the Saver’s Match (SECURE 2.0) …
People confuse disposable income with discretionary income. Disposable income is your take-home pay (after taxes). It has nothing to do with cost of living. Money left after paying living costs is called discretionary income. h/t Unusual_Bag3110
Nearly half of Americans in a new WalletHub survey said their household can’t manage more debt, while more than one-third said they expect to have higher balances by the end of 2026. Fifty-three percent of households said the struggle the most with credit card debt, followed by mortgages at 20% and student loans with 11%. …
by confoundedinterest17 Yikes! The ratio of US Home Prices to US Median Household Income is now higher than the ratio during the catestrophic housing bubble during the latter half of the 2000s. Here is a chart of home prices and median household incone, The labor market is truly screwed-up. The December jobs report reveals that …
The number of homebuyers is absolutely collapsing pic.twitter.com/GeQYeddflX — Darth Powell (@VladTheInflator) February 7, 2026 Household formation just hit a 9-year low. The next decade could see the slowest household growth in 100 years. At the same time:• Boomers are aging out• Birth rates are falling• Vacant homes are rising The uncomfortable question is simple: …
via halturnerradioshow America’s household debt hit $18.59 trillion with a $197 billion Q3 spike this year. Many people are calling this “the elite’s silent war on the middle class.” That’s $136,000 per household and an increase of $1,500. Mortgages, car loans, and credit cards are chaining families while the politicians in DC print trillions for …
by confoundedinterest17 Roll out the barrel! As in Fed money printing. How can the current housing disaster be fixed? One answer is to build more homes (made difficult by local government zoning and building policies). Another is increase household income. But Fed money printing is the easiest way to increase home prices. Since the Federal government …
69.2% of Americans now live paycheck to paycheck. Read that again. 69.2% y’all. PYMNTS’ latest report shows 692 out of every 1,000 U.S. adults are barely keeping up. It was 68% in May👇 And now? 1 in 4 can’t even pay their monthly bills without falling behind. That’s 26.3%… https://t.co/b70z6N8KG6 pic.twitter.com/XR3EKuKEo0 — Amanda Goodall (@thejobchick) …
$1.33 trillion in credit card debt. That is not strength. That is panic. The average family owes $10,668. You can feel it in the lines at the grocery store, in the gas pump, in the monthly bills that never stop. Yellen says it shows “a strong consumer.” Families call it desperation. First Brands just collapsed. …
Household savings collapsed from a 32% pandemic peak to near 3%, leaving consumption far more exposed to wages and credit. byu/MonetaryCommentary inEconomyCharts The U.S. personal saving rate hovered around 7% during the 2010-2020 period, as households maintained a steady buffer of disposable income. But the sudden shock of Covid‑19 and accompanying shutdowns sent the rate …
This is a major problem. pic.twitter.com/ySUbrgtEhV — Spencer Hakimian (@SpencerHakimian) September 21, 2025 Companies that import, wholesale, or sell products are paying higher costs upfront, and that money has to come from somewhere. Many businesses are absorbing those extra costs, which shrinks their profits and leaves less room to invest or grow. With margins under …
On August 27, the U.S. Department of Homeland Security announced the sudden cancellation of the long-standing visa validity system, which had been in place for over 40 years. This abrupt policy shift caused a strong reaction among the overseas Chinese community. For many, this system was seen as the foundation of immigration status stability. Its …
The end of an era is arriving quietly but with consequences that will ripple across millions of households, leaving families, roommates, and casual users suddenly exposed to rising costs, fractured convenience, and a creeping erosion of the sharing culture Amazon once allowed. On October 1, 2025, Amazon will terminate the program that permitted Prime members …
Authored by Mike Shedlock via mishtalk, Color me quite unimpressed with the current capabilities. Let’s investigate. The Coming Robot Home Invasion In what appears to me to be far more hype than reality, the Wall Street Journal discusses The Coming Robot Home Invasion. Robots are hot. Humanoid ones were literally running amok at this month’s World …
The fundamental problem in the housing market today. American households need to earn $112,000 in order to afford a house. However, the Median Household income is only $84,000. Meaning that a huge portion of the U.S. population is unable to even qualify for a mortgage. Note that from 2010 to 2020, the opposite was true. …
The Federal Reserve Bank of New York just confirmed it. Total household debt hit $18.2 trillion in Q1 2025. That’s a $167 billion increase in three months. Mortgage balances alone rose by $199 billion, now sitting at $12.8 trillion. Credit card debt stands at $1.18 trillion. Student loans are back on the books after a …
When everyone from your barber to your Uber driver talks stocks you know fundamentals have long been ignored. In 2025 that chatter is deafening. People brag about crypto holdings and leveraged ETFs like they built them. You see talk of FIRE dollar cost averaging and compound annual growth rates from folks still paying off student …
Serious Credit Card Delinquencies rise to 12.31%, the highest level since 2011 🚨🚨 pic.twitter.com/KPm8CIdS04 — Barchart (@Barchart) May 15, 2025 Credit card delinquencies have surged to 12.31%, marking the highest level since 2011. The latest data from the Federal Reserve Bank of New York paints a troubling picture of consumer debt, with households struggling under …
Total household debt just hit a record $18.2T, up $167B in Q1. This isn’t prosperity. It’s survival—fueled by credit. Households aren’t thriving. They’re borrowing just to stay afloat. pic.twitter.com/jvqIHKvews — Kurt S. Altrichter, CRPS® (@kurtsaltrichter) May 14, 2025 Total household debt increased by $167 billion in Q1 2025, to $18.20 trillion pic.twitter.com/FQSWotqNKD — Amanda Goodall …
Household debt service ratio vs. disposable personal income growth byu/MonetaryCommentary inEconomyCharts Rising household debt service and fading disposable income growth are quietly throttling the U.S. expansion from the inside out. As households allocate more of their income toward debt obligations, they leave less room for discretionary spending. This is about a macro feedback loop where …
Household savings are declining sharply post-COVID stimulus. Further decline is forecast. h/t Infamous_Sympathy_91
https://twitter.com/PhilipSoos/status/1903316495536623908
Skyrocketing rates make homeownership impossible for most Americans, with $124,150 needed to afford the median home—far above the $79,223 median household income. As of January, "qualified income" needed to afford median home in U.S. was $124,150, but U.S. median household income was $79,223 … makes for a $44,927 affordability gap per @AtlantaFed data@DataArbor pic.twitter.com/hLA3s23L1o — …
Mortgage payments now make up 40% of the average household income – the highest levels in over 30 years By the classic rule of keeping payments under a third of income, about 70% of Americans today can’t afford a mortgage Housing affordability is at a breaking point pic.twitter.com/qwn079KFPb — Bravos Research (@bravosresearch) February 27, 2025 …
