Bibliothèque

US Household Financial Pressure (derived)

US household financial pressure, monthly

Monthly US household financial-pressure panel, 2005-01 through 2026-07, built from three public-domain US federal series (the FRED series TDSP/PSAVERT/DSPIC96, retrieved from the original releases): the household debt-service ratio (percent of disposable personal income, quarterly, carried as-of to months), the personal saving rate PSAVERT (percent, SAAR), and real disposable personal income DSPIC96 (billions of chained 2017 dollars, SAAR). Ships ML-ready derived features: discretionary_income_proxy_bn (real DPI after required debt-service payments), financial_pressure_index (trailing-10-year z-score composite of debt burden vs saving rate; positive = tighter than the last decade), and 12-month changes. Base values transcribed verbatim from the official source releases (2026-09-28); derived columns are this connector's transformation.

• household-debt
• savings
• disposable-income
• churn