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For those in the bottom 80% of the income distribution, those making less than approximately $175,000 a year, their spending has simply kept pace with inflation since the pandemic. The 20% of households that make more have done much better, he continued, and those in the top 3.3% of the distribution have done much, much, much better. Spending among top-income consumers grew 4% in November 2025 year-over-yearnearly four times the pace of the lowest-income bracket, according to the Bank of America Institute

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