It’s no secret that American households are facing a perfect storm of economic challenges: layoffs, tariffs, and inflation, just to name a few. Now there’s new data showing just how serious the situation is: We’re falling behind on our bills. Almost across the board, the new flow of borrowers into “serious delinquency” (more than 90 days late) has been ticking up, according to the latest Household Debt and Credit Report from the New York Fed. Mortgages rose to 1.38% in 2025’s fourth quarter, up

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