Coming into this year, inflation was a major concern amongst consumers. Since January however, inflation expectations have reigned in, but there still remains much uncertainty heading into 2024. Our consumer sentiment readings towards the economy and personal finances were soft compared to historical readings, with sentiment towards the housing market reaching new lows m/m. Despite a strong rally in the equity markets towards the latter half of the year, respondents of our surveys leaned bearish looking into the new year. The share of respondents that reported living paycheck to paycheck has decreased in recent months, and a drop in interest rate expectations points towards consumers shifting their focus towards the housing and stock markets.