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In 2024, these rules mirror trends that range from inflation and interest rates to artificial intelligence.

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Some of them took root in the COVID-19 economy and continue to resonate today.

The question is if (and how long) the volatility will continue.

When it changes, it changes fast.

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The integration of AI in personal finance is not merely a trend, however.

Its a fundamental shift in helping consumers reach their financial goals with greater precision and confidence.

But that hasnt happened.

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These trends continue to impact everything from consumer spending to home ownership rates.

The biggest increases are tied to home equity loans,credit cardsand personal loans.

Consumers with poor credit have seen their debt balances grow the most in recent years.

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