92 Percent Of Employed Americans Have Cut Back On Spending As The Standard Of Living In The U.S. Crumbles

Sadly, as I pointed out in a previous article, we have now reached a point where “affordability” has become the number one issue for U.S. voters…

A University of Michigan poll published in December shows that high prices remain a pain point for consumers. About 46% blame high prices for poor personal finances — among the highest shares since the series started in the late 1970s.

Consumers’ views of their current financial situation in December “collapsed” into negative territory for the first time since July 2022, the month after pandemic-era inflation had peaked, according to a poll published Tuesday by the Conference Board.

Overall, 65% of U.S. households say the cost of living has gotten worse or much worse in the past year, according to a recent Politico poll.

Previous generations handed us the keys to the greatest economic machine that the world had never seen.

And we went out and wrecked it.

50 years ago, the U.S. economy was so dominant that it would have taken stupidity on an epic scale to cause it to fail.

But somehow we managed to do it.

~ Full article…

When Is It Going To Happen? The Truth Is That It Is Happening Now…

For a long time, we were warned that a cost of living crisis would be coming.

That is happening now.

For a long time, we were warned that delinquency rates would rise because consumers were piling up too much debt.

That is happening now.

For a long time, we were warned that foreclosure filings would surge when the current housing bubble started to burst.

That is happening now.

For a long time, we were warned that cryptocurrency prices would plummet.

Now more than a trillion dollars in cryptocurrency wealth has been wiped out.

Another thing that we have been relentlessly warned about is the weakness of the labor market.

Today, we learned that “the pace of layoffs has picked up over the past four weeks”…

~ Full article…

Ed Dowd: It Has Begun — Housing, Credit and FCF Have Cracked … Stocks Are Next

Ed explained that the math just isn’t mathing. OpenAI, the company behind ChatGPT, needs something like $900 billion of annual subscription revenue at 25% margins just for a 10% ROI.

Nope, not going to happen.

And certainly not before their first waves of chips wear out and have to be replaced at enormous cost.

So, what happens when this bubble bursts? Ed believes that a serious market crash is in the cards. Of course, this means stocks will drop in price, but the main action is going to be in the credit markets.

Treasuries will continue to advance in price (fall in yield), making them an attractive option to ride out the storm, while other forms of lesser credit will implode, as is already happening across the subprime lender space (TriColor, PrimaLend, First Brands).

When will this happen? According to Ed, it already is.

https://www.activistpost.com/ed-dowd-it-has-begun-housing-credit-and-fcf-have-cracked-stocks-are-next/

Fed Quietly Injects $125 Billion in Repo Market

The public must have confidence in the banks, and the banks must have confidence that the Federal Reserve will always catch them before they fall. We’ve seen several smaller banks go under in 2025, yet they were small enough not to raise concerns. The Fed fears panic more than it fears inflation. Powell knows that the central bank lost the ability to control inflation, but for now, it can control panic.

https://www.theburningplatform.com/2025/11/12/fed-quietly-injects-125-billion-in-repo-market/