High-income Americans sustain spending amid economic uncertainty

Wealthy Americans are increasingly using investment account withdrawals to fund their spending, with the share of top earners over 65 drawing from stocks rising significantly. Despite economic challenges like low real income growth and high household debt, the top 10% of earners now account for nearly half of all consumer spending, driven by stock wealth that has tripled in value since 2020. This trend highlights how stock market gains sustain high-income households’ spending amid a shaky economy.

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