Decoded No. 5: US Saving and Household Resilience (full note, PDF)
By EFFINA DRISS
The full 30-page analysis note: US household wealth rose 116 trillion dollars since 2011, mostly from asset prices, while saving weakened in 2026. Who is really protected? Instant PDF download.
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About the author
- EFFINA DRISS
Decoded, analysis note No. 5. Driss EFFINA, PhD. October 2026. PDF, 30 pages, 20 charts and diagrams, 18 tables.
US household and nonprofit wealth rose by about 116 trillion dollars from 2011 to 2025, but three quarters of the gain came from higher asset prices, not saving. This note separates the saving flow from wealth, audits release vintages, tests whether saving fell to a permanently lower level after 2022 and shows who holds the liquid buffers.
Inside the full note:
- Wealth rises while saving evidence shifts
- Saving is a flow; wealth has several engines
- A common cutoff contains different vintages
- The long monthly series resists one trend
- Weighted annual rates reveal the rebound
- Income growth alone does not preserve saving
- Exact wealth decomposition
- Distributional evidence
- Saving-regime tests and forecast validation
Read the free preview: How Resilient Are US Households Really?
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