Household cushions are thin — savings or real incomes are stretched.

Personal Saving Rate

Saving rate: 2.70% — Households are saving just 2.7% of income — almost no cushion left. That’s the 4th 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

Saving rate: down 5 readings in a row, to its lowest in recent readings.

Real Disposable Income · year-over-year

Real income: 0.52% — Real income is up 0.5% from a year ago — purchasing power is growing. That’s the 9th 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: 7.98% — Household net worth is growing 8.0% a year. That’s the 69th 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 4 readings in a row.