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They’re just about through those savings. Inflation + “catch up” vacations are the culprits. Look at credit card debt and that is before student loan payments restarted.
https://www.economist.com/graphic-detail/2023/08/21/americas-pandemic-savings-are-running-out#:~:text=Research by Hamza Abdelrahman and,by the end of September.
That’s a bit depressing, but good to know.