Gm! I haven’t done this in a while. AMA, especially anything related to the economy!

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given that all the excess savings are all gone, are household balance sheets still strong, in aggregate (due to all the 30yr refi's at <4%, as well as home equity)? how about amongst those with marginal propensity to spend?

I guess I'm asking about the trajectory of US consumer spending

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I think that might be dependent on consumer sentiment as well, not only on savings, but as you pointed out there is some pressure to consumers to reduce spending