Joe Pinsker

speaker

1,247 appearances 30 recordings 1 series first heard Oct 2022 last heard Jan 2025

Joe Pinsker’s voice in public audio — every appearance, attributed to the second.

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Appearances

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WSJ Your Money Briefing · Why Nearly Every Cost Related to Your Car Is Rising · 16 Feb 2024 podcast

And so when the costs of driving go up, that's really going to strain people's budgets. voice-verified

Making all of this a lot harder for people is just that interest rates have increased also, which means that if you have borrowed money to buy a car and you have monthly payments to make, those monthly payments are probably significantly higher than they were last time around. voice-verified

And we see signs in the data that more people are feeling the strain. voice-verified

If you look at the fourth quarter of last year, 7.7% of auto loans transitioned to delinquency if you look at an annualized rate. voice-verified

And that's the highest that rate has been in 13 years. voice-verified

WSJ Your Money Briefing · Getting a Raise Means More Money, But Not Always More Happiness · 17 Jan 2024 podcast

We often dwell on one thing changing in our lives and how that would make us happier. voice-verified

But even if you got a big raise, you might still have some of the same annoyances at work. voice-verified

Or even if you switch jobs, you may have the same conflicts with family members at home. voice-verified

I'm not sure if people really need me to be the one to tell them that as it isn't exactly breaking news. voice-verified

But yes, many people have gotten some pretty hefty raises over the past few years. voice-verified

Median year-over-year wage growth hit a recent high of 6.7% in the summer of 2022 based on data from the Atlanta Fed. voice-verified

And a lot of people added tens of thousands of dollars to their annual compensation. voice-verified

Oh, it certainly does. voice-verified

I want to be clear about that. voice-verified

And for many people, that is the case. voice-verified

Higher incomes are in general correlated with more happiness. voice-verified

But there are some interesting patterns that come up when you talk to individual people about how a big raise went for them. voice-verified

I was talking with one woman who's an accountant in the Chicago area who was saying that, you voice-verified

She got a big raise. voice-verified

It felt great. voice-verified

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