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The week's question
In December 2024, in the thread "Re: BRK: Why Not XOM?", BreckHutHigh asked the members: "What about the long road trips with kids?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Personal Finance / Macroeconomic Trends & Risks
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Author: WendyBG x2🐝  😊 😞
Number: of 4460 
Subject: Re: Control Panel: Middle-class vibe
Date: 08/31/25 2:39 PM
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No. of Recommendations: 6
Jeff wrote: It would be interesting to compare the debt/time curves to periods of finacial stress in the past.

Here you go. I don't think the situation looks bad. Unemployment is currently low. Consumers aren't carrying excessive debt, aren't carrying excessive debt relative to their disposable incomes and aren't defaulting at high rates.

St. Louis Fed (FRED): Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks/Disposable Personal Income | FRED

St. Louis Fed (FRED): Consumer Debt Service Payments as a Percent of Disposable Personal Income (CDSP) | FRED

St. Louis Fed (FRED): Delinquency Rate on Credit Card Loans, All Commercial Banks (DRCCLACBS) | FRED

Wendy
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This community has written 4,454 posts about Macroeconomic Trends & Risks. The article-length ones it recommended most:
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