Daily Brief
Short data briefs on household financial distress. Published Monday through Friday.
A Record No Paycheck Can Fix
HUD's 2024 Point-in-Time count recorded 771,480 Americans without permanent shelter on a single night, an 18.1% surge and the highest figure since counting began.
Homelessness hit an all-time record of 771,480 in 2024 — while the labor market was the only ADI component not in distress. Employment alone no longer buys shelter.
Read brief →Employed Workers Are Liquidating Their Own Retirements
Vanguard's 2026 How America Saves preview shows nearly 1 in 17 workers with a 401(k) took a hardship withdrawal last year — six consecutive annual increases with no sign of slowing.
The 401(k) hardship withdrawal rate hit a record 6.0% in 2025, triple the pre-pandemic level, even as the labor market remains the only ADI component in easing territory.
Read brief →Record Homelessness in a Job Market That's Hiring
HUD's 2024 Point-in-Time count recorded 771,480 people without permanent shelter on a single night, an 18.1% surge and the largest annual jump since federal counting began.
771,480 Americans were homeless in 2024 — an all-time record — while the labor market was the only ADI component in easing territory.
Read brief →Credit Card Delinquencies Hit Post-Pandemic High at 3%
Equifax reported that 60-day-plus bankcard delinquencies climbed to 3.0% of outstanding balances in December 2025, the highest level since the post-pandemic wave of missed payments.
Bankcard balances 60+ days past due reached 3.0% in December 2025, the highest since the post-pandemic surge, signaling rising household debt stress.
Read brief →Student Loan Delinquency Falls but the Floor Keeps Rising
The NY Fed's latest Household Debt and Credit Report shows student loan delinquencies at 90+ days fell to 9.6% in Q4 2024, continuing a downward drift since repayment resumed.
Student loan 90+ day delinquency drops to 9.6% per the NY Fed, but remains well above pre-pandemic levels and masks broader distress signals.
Read brief →Bankcard Delinquencies Hit 3% and Keep Climbing
Equifax monthly credit trends data shows bankcard balances 60 or more days delinquent rose to 3.0% in December 2025, marking a continued climb in serious payment failures.
Credit card balances 60+ days past due reach 3.0% in December, the highest since the post-pandemic surge, signaling deeper household stress.
Read brief →Foreclosure Filings Hit 32% Annual Rise for Third Straight Quarter
ATTOM Data Solutions reported that U.S. foreclosure filings climbed 32% year-over-year in Q1 2026, extending a three-quarter streak of rising activity.
Foreclosure filings rose 32% year-over-year in Q1 2026, marking three consecutive quarters of increases and signaling deepening household distress.
Read brief →Get the numbers when they move.
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