According to the latest Federal Reserve Survey of Consumer Finances, U.S. households’ ability to stay current on their debts has deteriorated to levels comparable to those following the global financial crisis. The share of families behind on payments surged from 12% to nearly 20% between 2022 and end of 2025, a 67% increase. Meanwhile, higher earners saw their median net worth rise 31%, while the bottom income quartile saw median net worth decline 6%. The portion of families with payment-to-income ratios exceeding 40% hit the highest level since 2013 at 8.6%.
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