[Americans' savings rate just hit the lowest level since 2022](https://www.cnbc.com/2026/05/28/savings-inflation-americans-financial-stress.html) as inflation outpaces wage growth — this isn't a blip, it's confirmation that the K-shaped recovery is structural, not cyclical. The macro math is brutal: consumers can't buffer shocks, the 10-2 spread is 48bp (normal, not recessionary), and the Fed has zero reason to cut when core inflation is still elevated.

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