Consumer debt has continued on a steep ascent, breaching $17 trillion for the first time in Q1. We also note a concerning but thus far modest upturn in delinquencies in certain credit categories. The Federal Reserve Bank of New York documents these trends but only issues updates on a quarterly basis, which is arguably too slow to be very useful; occam in contrast monitors various aspects of consumer credit on a daily basis, which allows portfolio managers an ability to track the financial health of the consumer in real time. Below, we examine trends in delinquency rates, explore the impact of the rising cost of living on consumer spending habits, and identify the demographic groups most impacted by the increasingly challenging economic conditions