美國經濟

The great American spending spree

Pay growth, savings and ‘fomo’ have helped the US economy defy a gloomy backdrop

As the pumpkins, sweet-wrappers and ghostly garbs are cleared away, forecasters expect American Halloween spending bills to have broken records. The average shopper was projected to spend $108 on sweets, costumes and decorations during this trick-or-treating season — with total expenditure set to exceed $12bn. But even before the October 31 festivities, it has been clear that the US consumer is experiencing a sugar rush.America’s economy grew at a 4.9 per cent annualised rate in the third quarter; the fastest since 2021. With consumer spending accounting for two-thirds of the economy, much of the jump is down to a surprise shopping spree. Retail sales registered their sixth-straight month of growth in September. The resilience of the US consumer defies the gloomy economic backdrop — 18 months of high inflation, rising interest rates and plenty of uncertainty. Real consumption spending has grown almost 2 percentage points more than private forecasters expected this time last year.

What explains the robustness? Bank of America thinks a phenomenon that it calls “funflation” is responsible. It notes a greater willingness to spend on live entertainment and experiences, stemming from pent-up demand, savings and changing consumer preferences. Indeed, over the summer, the dual release of movies Barbie and Oppenheimer, dubbed “Barbenheimer”, became one of the biggest openings on record, despite scepticism over the cinema industry’s prospects following Covid-19. Morgan Stanley estimated that Barbenheimer and concert tours by Taylor Swift and Beyoncé added $8.5bn to the US economy in the third quarter.

But consumer resilience comes down to more than the “fear of missing out” on the buzz surrounding box office events. Though the jobs market is now cooling, employment and wages have held up better than expected, despite the US Federal Reserve’s tightening. The lowest paid Americans have experienced the strongest pay growth too. Many have also tapped into savings accumulated during the pandemic, which were bolstered by government stimulus checks. This has driven stellar spending on electronics, furniture and home equipment since 2020. Meanwhile, the prevalence of long-term fixed-rate mortgages has sheltered homeowners from higher rates.

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