According to Milk Road, consumers are increasingly using installment payment methods for low-cost purchases, such as a $6.50 burrito from Chipotle. This reflects a broader trend in consumer spending behavior that may impact financial markets, as easy credit access can lead to increased consumer spending and potential liquidity issues. Analysts suggest monitoring how these micro-transactions influence larger economic indicators and consumer credit health.

According to The Kobeissi Letter, total US household debt surged by $93 billion in Q4 2024, setting a new record of $18.04 trillion, as reported by the NY Fed. The largest increase was observed in credit card debt, which reached $1.21 trillion, impacting consumer credit behavior and potential spending power, which traders should monitor closely for market implications.