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Tuesday, August 13, 2013

Will The Wealth Effect Lead to Increased US Consumer Borrowing?

http://bonddad.blogspot.com/2013/08/will-wealth-effect-lead-to-increased-us.html

As I noted last week, I'm pretty sanguine about the US economy.  Despite some decent ISM numbers last week, we're facing a third year of budgetary stupidity in Washington.  When this is combined with the weak reading in US GDP over the last three quarters, I don't see much beyond a subdued (or should I say "moderate") expansion.
But we may have a wild card in the mix.  Although overall pay growth has been fairly paltry this expansion (which is what you'd expect in a 7%+ unemployment environment) US consumers now have room to increase their revolving credit levels to power consumer spending.

Consider this chart of household (and non-profits) net worth:

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