未雨绸缪！储蓄率创一年新高，美国消费者缘何开始存钱

Group 1 - The core viewpoint of the article highlights a shift in consumer behavior in the U.S. as families increase savings in response to economic uncertainty and changing tariff environments [2][5][6] - Consumer spending, which constitutes over two-thirds of U.S. economic activity, has shown signs of slowing down, with a notable decrease in the monthly growth rate of consumer spending from 0.7% in March to 0.2% in April [3][4] - The personal savings rate in the U.S. has risen to 4.9%, the highest level in a year, as consumers save a significant portion of their income growth [5][6] Group 2 - The Federal Reserve is cautious about monetary policy, with recent data indicating a minimal increase in core inflation, which may not prompt a rate cut despite concerns over rising tariffs [3][4] - A survey indicates that a significant portion of high-income households is becoming more sensitive to prices, leading to reduced discretionary spending [5][6] - Many consumers are adopting cost-saving measures, such as cooking at home and changing service providers, reflecting a broader trend of increased savings and reduced spending [5][6]