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    Credit Card Nation: How we went from record savings to record debt in just two years

    U.S. consumers had the highest savings rate on record in 2020 and credit card debt was plummeting. Now our savings is gone and debt is surging. What happened?
    by Stacey Vanek Smith Mar 08, 2023 3 minutes
    Stephanie Roth and her three children. Roth works full time but struggles to keep up with bills as prices rise. Like millions of Americans, she has found herself in mounting credit card debt.

    Stephanie Roth, 41, realized just how much her financial situation had deteriorated when she was signing up to bring a dish to the Valentine's Day party at her kids' daycare.

    "I used to always be a mom who would sign up for the main stuff like the sandwiches," she says. "You know, the big, expensive things."

    A change of fortune

    Before the pandemic, Roth was in a good financial situation. She could bring the sandwiches, the soda and the cupcakes. But last month, she realized that was no longer the

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