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Credit Card Debt on the Rise

The various handouts and moratoriums during the pandemic drove the personal savings rate down to World War II levels. Everything was closed – there weren’t many [...]

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The Psychology Behind Consumer Spending and Hedonic Adaptation

Consumer debt in the US reached $14.88 trillion in 2020, according to Experian’s consumer debt study. That is a $3 trillion increase in the past decade, and [...]

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