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      "text": "Feb.'20 Aug. '24 9% 5% Personal Savings Rate",
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      "text": "Aug. '24 2021 57% 65% % of Consumers Living Paycheck-to-Paycheck",
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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 short-term liquidity\nIncludes both young and financially challenged Americans",
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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": "Elevated inflation and interest rates are causing more Americans to live paycheck to paycheck...3",
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      "text": "Note: TAM = total addressable market. (1) Source: Total number of financially vulnerable or financially coping households from Financial Health Network's \"Financial Health Pulse 2024 U.S. Trends Report\"; Census data was used to translate the total number of households to population.\n(2) Source: U.S. Bureau of Economic Analysis (3) Source: PYMNTS.com New Reality Check: The Paycheck-To-Paycheck Report, September 2024; 2021 statistic represents the simple average of corresponding monthly values.",
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