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      "kind": "chart",
      "text": "62%\n57%\nJan. '24\n2021\n% of Consumers Living\nPaycheck-to-Paycheck",
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      "text": "9%\n3%\nFeb. '20\nMar. '24\nPersonal Savings Rate",
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      "kind": "list",
      "text": "Trouble managing cash flow\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\n180MM Customers¹",
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      "text": "TAM Grew 8% (~14MM\nCustomers) since 2021¹",
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      "kind": "paragraph",
      "text": "...and further eroding\nconsumer savings balances:\nU.S. savings rate is far below\npre-pandemic levels2",
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      "text": "Elevated inflation and\ninterest rates are causing\nmore Americans to live\npaycheck to paycheck...3",
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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\nand 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, February 2024; values represent simple averages (monthly, annually)",
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