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Personal Saving Rate Delayed Consumption

This analysis explores the trends in personal saving rates from January 2000 to March 2014, highlighting significant fluctuations and their correlation with economic events. By 2000, personal saving dropped to only 38% of its 1980 rate, revealing changing consumer behaviors. Notably, during recessions, saving rates tend to increase, with a 5.4% average during the latest downturn compared to 4.4% during the recession of 2001. The data is sourced from the Bureau of Economic Analysis and presented by the Federal Reserve Bank of San Francisco.

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Personal Saving Rate Delayed Consumption

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  1. Personal Saving RateDelayed Consumption Date last updated: May 2, 2014 DataPost Federal Reserve Bank of San Francisco Economic Education Group

  2. Saving Rate – Did You Know? Sources: Bureau of Economic Analysis & FRBSF calculations By 2000 personal saving (as a percent of disposable income) had dropped to 38% of its 1980 rate. DataPost http://www.frbsf.org/education/teachers/datapost/index.html FRBSF Economic Education Group

  3. Personal Saving Rate (%) Seasonally adjusted values, Jan. 2000 – Mar. 2014 DataPost Source: Bureau of Economic Analysis http://www.frbsf.org/education/teachers/datapost/index.html FRBSF Economic Education Group

  4. Annotated Chart NotesPersonal Saving Rate (%)Seasonally adjusted values, Jan. 2000 – Mar. 2014 During the latest recession, the average saving rate was 5.4% compared to an average 4.4% during the 2001 recession Households often save more during a recession. DataPost Source: Bureau of Economic Analysis http://www.frbsf.org/education/teachers/datapost/index.html FRBSF Economic Education Group

  5. What Do You Think? • What was your personal saving rate last month? • Within a given month, add up all earnings, taxes paid, and expenses to calculate your personal saving rate: • Compare your personal saving rate with the U.S. average in 2012. (Disposable Income – Spending) X 100 Disposable Income DataPost http://www.frbsf.org/education/teachers/datapost/index.html FRBSF Economic Education Group

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