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      "text": "Personal Savings Rate\n9% Feb. '20\n3% Sept. '23",
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      "text": "% of Consumers Living Paycheck-to-Paycheck\n57% 2021\n60% YTD '23",
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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 challenged Americans",
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      "text": "TAM Grew 8% (~14MM Customers) since 2021¹",
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      "text": "Inflation outstripping wage growth is causing more Americans to live paycheck to paycheck...3",
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      "kind": "paragraph",
      "text": "...and further eroding consumer savings balances: U.S. savings rate is far below pre-pandemic levels2",
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      "text": "Note: TAM = total addressable market.\n(1) Financial Health Network's \"Financial Health Pulse 2023 U.S. Trends Report\"; 180 million represents the total number of financially vulnerable or financially coping consumers in that study. The corresponding figure in 2021 and 2022 was 166 and 176 million respectively.\n(2) Source: U.S. Bureau of Economic Analysis\n(3) Source: PYMNTS.com New Reality Check: The Paycheck-To-Paycheck Report, September 2023; values represent simple annual averages",
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