\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

2/3 of Black Friday spending was financed and not paid off in 30 days

That’s a scary number https://x.com/adamscochran/st...
cobalt racy community account
  12/03/25
Is really only 20% normally? Why so high this year?
multi-colored pink national
  12/03/25
67% figure isn't sourced
pale bisexual dopamine
  12/03/25
These types of articles have been written for 10+ years now....
Hateful nighttime state half-breed
  12/03/25
well he hasn't died yet! the meth doesnt hurt him at all!
pale bisexual dopamine
  12/03/25
...
Mildly autistic bipolar plaza immigrant
  12/03/25
jesus fucking christ your data set for macro monetary policy...
pale bisexual dopamine
  12/03/25
You’re always maf triggered on here because you wish e...
Hateful nighttime state half-breed
  12/03/25
tell me more about how debt doesn't matter based on equity p...
pale bisexual dopamine
  12/03/25
The yield curve inverted massively and there was no recessio...
Hateful nighttime state half-breed
  12/03/25
180000000000000000 lol jfc your bro dbg is downthread al...
pale bisexual dopamine
  12/03/25
isnt this normal for goyim? this all seems like fuzzy ma...
Dull Zippy Business Firm Voyeur
  12/03/25
The fact that the person is citing people using credit cards...
Offensive aqua property pocket flask
  12/03/25
Americans are defaulting on their debts at near-historic rat...
brass hairy legs nibblets
  12/03/25
faggot coffee upthread says that he hasn't noticed anything ...
pale bisexual dopamine
  12/03/25
I had honestly forgotten about the 10 year rule
brass hairy legs nibblets
  12/03/25


Poast new message in this thread



Reply Favorite

Date: December 3rd, 2025 11:04 PM
Author: cobalt racy community account

That’s a scary number

https://x.com/adamscochran/status/1995501382171025884

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482298)



Reply Favorite

Date: December 3rd, 2025 11:09 PM
Author: multi-colored pink national

Is really only 20% normally? Why so high this year?

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482309)



Reply Favorite

Date: December 3rd, 2025 11:09 PM
Author: pale bisexual dopamine

67% figure isn't sourced

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482312)



Reply Favorite

Date: December 3rd, 2025 11:10 PM
Author: Hateful nighttime state half-breed

These types of articles have been written for 10+ years now. It’s always something, more people than ever are behind on their mortgages, 50% have received repossessed notices for their cars, student loan debt is 11 trillion dollars, and the economy keeps humming along just fine. Nothing ever happens.

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482313)



Reply Favorite

Date: December 3rd, 2025 11:13 PM
Author: pale bisexual dopamine

well he hasn't died yet! the meth doesnt hurt him at all!

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482321)



Reply Favorite

Date: December 3rd, 2025 11:22 PM
Author: Mildly autistic bipolar plaza immigrant



(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482342)



Reply Favorite

Date: December 3rd, 2025 11:14 PM
Author: pale bisexual dopamine

jesus fucking christ your data set for macro monetary policy is 10 fucking years lmao. somebody get this guy a post at the fed!

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482322)



Reply Favorite

Date: December 3rd, 2025 11:16 PM
Author: Hateful nighttime state half-breed

You’re always maf triggered on here because you wish everyone was as big of a black pilling loser as you

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482327)



Reply Favorite

Date: December 3rd, 2025 11:17 PM
Author: pale bisexual dopamine

tell me more about how debt doesn't matter based on equity prices over a 10 year period jerome

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482329)



Reply Favorite

Date: December 3rd, 2025 11:25 PM
Author: Hateful nighttime state half-breed

The yield curve inverted massively and there was no recession

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482348)



Reply Favorite

Date: December 3rd, 2025 11:26 PM
Author: pale bisexual dopamine

180000000000000000 lol jfc

your bro dbg is downthread also confused about the "fuzzy math"

strap in boys it's going to get real fun in the next 10 years!

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482350)



Reply Favorite

Date: December 3rd, 2025 11:11 PM
Author: Dull Zippy Business Firm Voyeur

isnt this normal for goyim?

this all seems like fuzzy math

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482315)



Reply Favorite

Date: December 3rd, 2025 11:15 PM
Author: Offensive aqua property pocket flask

The fact that the person is citing people using credit cards online as a predictor of economic doom makes me disbelief them as bullshit.

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482324)



Reply Favorite

Date: December 3rd, 2025 11:18 PM
Author: brass hairy legs nibblets

Americans are defaulting on their debts at near-historic rates, a collision between long-term structural strains and more contemporary financial pressures that some believe could shake the entire economy.

The issue was put into sharp relief by the New York Fed’s most recent Household Debt and Credit report, which showed that household debt hit a record $18.6 trillion in the third quarter of 2025, having climbed $228 billion from the second quarter.

Credit card balances alone jumped $24 billion, reaching an all-time high, while the share of balances in serious delinquency—90 days past due—climbed to a nearly financial-crash level of 7.1 percent.

Auto loans tell a similar story, with serious delinquency rates at 3 percent, the highest since 2010. And a spike in resulting defaults has triggered a wave of repossessions in 2025, with 2.2 million vehicles already repossessed, per figures from the Recovery Database Network (RDN), and forecasts of a record 3 million by year’s end.

“Delinquencies, defaults, and repossessions have shot up in recent years and look alarmingly similar to trends that were apparent before the Great Recession,” the Consumer Federation of America said in a recent report.

Student loan delinquencies, often a precursor to broader consumer financial troubles, have accelerated at an unprecedented pace. Rates surged to 14.3 percent in the third quarter from only 0.8 percent in the fourth quarter of last year, a historic spike caused by the expiration of pandemic-era payment pauses. According to a separate analysis of Department of Education data by the American Enterprise Institute, 5.5 million student borrowers are in default on their loans, with another 3.7 million over 270 days delinquent.

Taken together, the numbers paint a picture of an American consumer in deep distress, and an economy that may be teetering on the edge of another collapse.



(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482332)



Reply Favorite

Date: December 3rd, 2025 11:18 PM
Author: pale bisexual dopamine

faggot coffee upthread says that he hasn't noticed anything BAD happen in 10 years so bubbles dont actually exist. how do you retort?

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482334)



Reply Favorite

Date: December 3rd, 2025 11:29 PM
Author: brass hairy legs nibblets

I had honestly forgotten about the 10 year rule

(http://www.autoadmit.com/thread.php?thread_id=5806008&forum_id=2\u0026mark_id=5310880",#49482359)