We are in the midst of the first stimulus-free year since 2019; simultaneously, tax refunds are down from 2019 and elevated inflation and gas prices add further pressure to the post-COVID recovery. The natural question is: where does this leave the consumer and how will spending perform going forward? Specific questions we address in this report include:

  • How did smaller tax returns and the end of stimulus checks impact consumer behavior?
  • How are gas prices and inflation manifesting in consumers' wallets?
  • Which sectors are most and least impacted?

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