Saving
Research briefs on savings rates, bank accounts, and how families set money aside.
Research briefs
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Founder notes
Founder note
The U.S. Treasury stopped mailing paper checks in 2025. Teen money behavior had already moved past them.
The Treasury stopped mailing paper checks in 2025 as check use fell to 7% of bill payments. Teens had already moved to cards, P2P apps, and BNPL.
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Saving
Founder note
The national average savings rate mostly measures who isn't shopping for a better one.
The FDIC's national average savings rate is deposit-weighted, so a bank's "X times the national average" pitch mostly measures how little most savers earn.
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Saving