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Auto and credit card delinquency rates are also elevated with the latter hitting $1.14 trillion a record high here to discuss the state of household dead is Jade warshaw co-host of the Ramsey Show Jade itamp;#39;s great to have you here and as weamp;#39;re starting to see delinquency rates tick up a little bit in some of these data sets um what does that tell you thanks for having me yeah I think right now Americans are just facing Financial volatility across the board right the struggle is real as they say I mean weamp;#39;ve seen a lot of us thought by now the would have lowered interest rates we havenamp;#39;t seen that right and now weamp;#39;re starting to see that play out in the job market so thatamp;#39;s really scary weamp;#39;ve got the election coming up we saw Mondayamp;#39;s dip in the stock market right and even though uh inflation has continued to tick down itamp;#39;s still really really expensive out there and so Americans have a lot that theyamp;#39;re deali