A version of this article first appeared in ″CNBC's Money 101 Newsletter with Sharon Epperson,″ an eight-week series with monthly updates to help improve your financial well-being. Subscribe now to receive the series in your inbox. It is also available in Spanish . Consumer spending has helped keep the U.S. economy resilient. Yet research shows debt payments are taking a growing bite out of Americans' income gains, leaving less money available to spend or save. A new analysis by the nonpartisan think tank The Century Foundation and the consumer advocacy group Protect Borrowers found that a typical U.S. household's estimated real take-home monthly pay rose $109 from late 2022 to early 2026.
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