re: Delinquencies on auto loans are at the highest level in a decade

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Or they are all just really good at hiding it, if they are struggling.

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I think there is truth to this. Many in denial while living on credit cards.

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I keep seeing all of these threads and it all looks bad, but then I go outside and everything seems to be getting more expensive and everyone seems to be having a good time and I have no idea what any of this means for me or anyone else. Am I alone in these thoughts/observations?

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No same here.

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I assume I just live in a bubble of mostly financially secure people. Or they are all just really good at hiding it, if they are struggling.

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Probably a bit of both. Trucks, boats, you name it.

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I keep seeing all of these threads and it all looks bad, but then I go outside and everything seems to be getting more expensive and everyone seems to be having a good time and I have no idea what any of this means for me or anyone else.

Am I alone in these thoughts/observations?

I assume I just live in a bubble of mostly financially secure people. Or they are all just really good at hiding it, if they are struggling.

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While I think, as usual, the average person probably has a ton of debt, pure discretionary spending is still blowing and going like crazy.

Tswift tickets, international travel, sports events etc.

When I go out in my city to the popular spots, they are typically packed with people hanging out and spending money. The fancy restaurant near my crib (~150-200 for a dinner for two) is booked out for 2 weeks even in the summer. I talked with the owner when I went last month and he said he can't remember the last night they were able to seat walk-ups.

The bottom quartile is probably getting smoked, but the middle 50% seems to be spending money on non-essentials like crazy still.

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I assume I just live in a bubble of mostly financially secure people. Or they are all just really good at hiding it, if they are struggling.

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im not sure if good at hiding it is the correct assessment. i think they are truly oblivious to how poor their own money management is.

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keep seeing all of these threads and it all looks bad, but then I go outside and everything seems to be getting more expensive and everyone seems to be having a good time and I have no idea what any of this means for me or anyone else. Am I alone in these thoughts/observations? I assume I just live in a bubble of mostly financially secure people. Or they are all just really good at hiding it, if they are struggling.

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I feel the exact same way. Something like 30-40% of our gross income goes to savings or investing. No car payments because we are driving them till they won’t go anymore. No kids yet. We’re comfortable but it feels like we could do better with not spending as much. When we do eat out it’s mostly at like chipotle or chic fil a. Barely ever go to restaurants unless it’s a special occasion. We have some amenities like weekend trips locally and for friends weddings. But we aren’t taking week long vacations anywhere.