Economists often describe the U.S. economy in recent years as " K-shaped ," where higher-income households have seen stronger gains in wealth and spending while lower-income families face more financial pressure. While financial precarity is often associated with lower-income households, a February 2026 analysis by consulting firm Kearney suggests many higher earners remain vulnerable as well. Based on federal economic data and consumer surveys, the report looks at factors such as income, debt