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  "documentTitle": "Dave | Investor Presentation Deck | 38 slides",
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      "text": "62%\n57%\n2022\n2021\n% of Consumers Living\nPaycheck-to-Paycheck",
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      "text": "9%\n4%\nFeb. '20\nApr. '23\nPersonal Savings Rate",
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      "text": "Spending ≥ Income\nMinimal to moderate savings\nOverdraft up to 20x per year\nNeed access to affordable credit\nIncludes both young and financially\nchallenged Americans",
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      "text": "TAM Grew 6% (10MM\nCustomers) in 2022¹",
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      "text": "Inflation outstripping\nwage growth is causing\nmore Americans to live\npaycheck to paycheck...³",
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      "kind": "paragraph",
      "text": "...and further eroding\nconsumer saving\nbalances: U.S. savings rate\nis far below pre-pandemic\nlevels²",
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      "kind": "source-note",
      "text": "Note: TAM = total addressable market.\n(1) Financial Health Network's \"Financial Health Pulse 2022 U.S. Trends Report\"; 176 million represents the total number of financially vulnerable or financially coping consumers in that study. The corresponding figure in 2021 was 166 million.\n(2) Source: U.S. Bureau of Economic Analysis\n(3) Source: PYMNTS.com New Reality Check: The Paycheck-To-Paycheck Report, May 2023; values represent simple annual averages",
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