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Examining Consumer Health Beyond the U.S. Personal Saving Rate

23 February 2023



Episode Description

The U.S. Personal Saving Rate is a highly cited source for understanding consumers' balance sheets—but is it really indicative of consumers' overall financial health? 

In this episode, dv01 dives into The Federal Reserve's Distributional Financial Accounts ("DFA") to understand what consumer balance sheets look like today, whether consumers' finances have deteriorated over time (by income percentiles), and why the DFA is a better dataset to gauge consumer financial health.

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About the dv01 Podcast

dv01's In The Tranches of Structured Finance podcast explores macroeconomic trends, sector performance, and the future of capital markets. As a leading market intelligence company in structured credit, dv01 provides transparency and actionable insights through loan-level data and research.


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