AI Evaluation Notes

Personal financial conditions have not become easier between April and December 2025. Consumer sentiment declined significantly, with the Index of Consumer Sentiment in December 2025 being 28% lower than December 2024, and expected personal finances nearly 12% below the start of the year. Household debt continued to rise, increasing by $185 billion in Q2 and $197 billion in Q3 2025, and inflation remained a top concern, accelerating somewhat since April.