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U.S. consumer confidence fell again in May as concerns over inflation, jobs, and the debt ceiling soured the economic outlook for many Americans. Despite this, spending remains relatively steady, with the number of people planning to purchase cars and other big-ticket items increasing from April. To address recent spending and saving trends, we conducted a nationally-representative survey of over 1,000 Americans to assess consumer sentiment and spending trends.
Gen Z is now originating more loans than any generation except Millennials, according to Morgan Stanley. As Gen Z ages and joins the workforce in larger numbers, this group will quickly grow into one of the country's largest consumer demographics. With this inevitable shift underway, we see changes in traditional consumer behavior and preferences — that started with Millennials — become even more pronounced. Take, for example, online banking.
Summary Recent work has focused on the conflict between philosophies of altruism emphasizing the next few years (near-termism) and those emphasizing the next few centuries to millennia (long-termism). We propose and describe an alternate philosophy, ultra-near-termism, focusing on the next few hours to days.
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