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The Cost of Living's Newsletter

The Cost of Living's Newsletter

The hidden math behind the American cost of living — explained weekly.

Featured

The Raise That Taxes Itself

The Raise That Taxes Itself

Sep 16, 2026

Four dollar thresholds written into law in 1983, never adjusted for inflation since.

Where $2,000 a Month Goes: America vs. Southern Europe

Where $2,000 a Month Goes: America vs. Southern Europe

Sep 15, 2026

$2,000 covers everything in Porto, Portugal — and leaves you $2,496 short in the median American city.

The Grocery Bill That Never Reset

The Grocery Bill That Never Reset

Sep 14, 2026

Grocery inflation is back to normal. The prices never reset.

Latest

The repossession number everyone quotes is not a count

The repossession number everyone quotes is not a count

Oct 26, 2026

1.73 million is an estimate built from a formula. As a rate, it matches 2019. What grew is the loss on each repossession: $10,700 to $17,300 at Ford Credit.

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Who actually paid the tariff, and who got the refund

Who actually paid the tariff, and who got the refund

Oct 23, 2026

Tariffs brought in $194.9 billion in a year. Importers paid nearly 90% at the border, about a quarter reaches the shelf price, and the refund went to the company at the border.

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Unemployment is low. Car loans are failing anyway

Unemployment is low. Car loans are failing anyway

Oct 21, 2026

5.49% of car debt is 90 days late, with unemployment near 4%. Only one quarter since 2003 was worse. Here is what breaks a car loan when it is not a layoff.

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The cheap Costco gallon is a receipt for the card you already paid for

The cheap Costco gallon is a receipt for the card you already paid for

Oct 19, 2026

50.6% of Costco's operating profit came from membership fees, not gas. The number that decides whether the card pays for itself is in your own year of fill-ups.

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The $40 trillion debt is a sliver of your mortgage rate

The $40 trillion debt is a sliver of your mortgage rate

Oct 15, 2026

Interest on the debt passed defense spending. The Fed's own study says it explains only a sliver of your mortgage rate.

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The hidden math behind the American cost of living — explained weekly.

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