纽约联储调查：美国人财务焦虑加剧，花钱像在“梭哈”？

Core Insights - The New York Federal Reserve's survey indicates increasing consumer concern regarding financial conditions due to anticipated inflation rise [2][3] - Consumer spending growth expectations have declined, although many Americans have not significantly altered their spending habits [3] Consumer Sentiment - Consumers expect higher inflation over the next year, leading to a pessimistic outlook on their financial situation [2] - The rising cost of groceries, with a 2.7% year-over-year increase in August, is significantly impacting consumer perceptions of the economy [3] Spending Behavior - Despite concerns over rising prices and tariffs, consumer spending is expected to increase during the holiday season, driven by selective spending strategies [3] - The psychological aspect of spending is highlighted, with consumers navigating complex uncertainties while being cautious with their expenditures [3] Debt Trends - A separate study by the New York Federal Reserve shows a rise in credit card balances, indicating that more consumers are struggling to manage their expenses [3] - As of Q2 2025, total credit card balances reached $1.21 trillion, marking a 2.3% increase from the previous quarter and matching last year's historical high [3]