Just FYI, I recommend the Fed's "Report on the Economic Well-Being of U.S. Households" for metrics like this. Some stats: https://www.federalreserve.gov/publi

Just FYI, I recommend the Fed's "Report on the Economic Well-Being of U.S. Households" for metrics like this. Some stats: https://www.federalreserve.gov/publications/2024-economic-well-being-of-us-households-in-2023-banking-credit.htm#:~:text=past%2012%20months.-,Credit%20Cards,-People%20use%20credit https://www.federalreserve.gov/publications/2024-economic-we... > Eighty-two percent of adults had a credit card in 2023. They were nearly evenly split between the people who paid off their balances in each of the previous 12 months and people who carried balances from month to month at least once in the prior year. Just about one-quarter said they carried a balance most of the time during the prior 12 months. > Fourteen percent of people used BNPL ["buy now, pay later", an alternative to credit cards] in the prior 12 months, up 2 percentage points from 2022. https://www.federalreserve.gov/publications/2024-economic-well-being-of-us-households-in-2023-overall-financial-well-being.htm https://www.federalreserve.gov/publications/2024-economic-we... > Near the end of 2023, 72 percent of adults were at least doing okay financially, meaning they reported either "doing okay" financially (39 percent) or "living comfortably" (33 percent). The rest reported either "just getting by" (19 percent) or "finding it difficult to get by" (9 percent)... The 72 percent of adults doing at least okay financially was essentially unchanged from 2022 yet was down 6 percentage points from the recent high of 78 percent in 2021 (figure 1). https://www.federalreserve.gov/publications/2024-economic-well-being-of-us-households-in-2023-expenses.htm https://www.federalreserve.gov/publications/2024-economic-we... > Table 17. Largest emergency expense individuals could handle right now using only savings > under $100 (18%) > $100–$499 (14%) > $500–$999 (10%) > $1,000–$1,999 (10%) > over $2,000 (48%) (Which I find this hard to reconcile with the following from the same page:) > In 2023, 54 percent of adults said they had set aside money for three months of expenses in an emergency savings or "rainy day" fund—unchanged from 2022 but down from a high of 59 percent of adults in 2021.