Household finances are tightening — cushions are shrinking.

Personal Saving Rate

Saving rate: 3.00% — The saving rate is 3.0% — thinner than the historical norm. That’s the 5th percentile of all its readings since 1959.

How we score this: elevated below 3.00% · watch 3.00% to 5.00% · ok 5.00% and up full method

Real Disposable Income · year-over-year

Real income: 0.45% — Real income is up 0.5% from a year ago — purchasing power is growing. That’s the 8th percentile of all its readings since 1960.

How we score this: elevated below -2.00% · watch -2.00% to 0.00% · ok 0.00% and up full method

Household Net Worth · year-over-year

Net worth: 11.94% — Household net worth is growing 11.9% a year. That’s the 92nd percentile of all its readings since 2006.

How we score this: alert below -8.00% · elevated -8.00% to -3.00% · watch -3.00% to 0.00% · ok 0.00% and up full method

Net worth: up 5 readings in a row.