Here's how American spending habits have changed over the last few decades

Every year Silicon Valley waits patiently for Kleiner Perkins' Mary Meeker to share her famous Internet trend report.

The latest version was released 2 days ago. As usual, the 294 slide show is a treasure trove of the latest data on technology and Internet trends.

The report is known as a barometer on the Internet, but it also provides some advanced data on the US economy. I used some of the most convincing slides to summarize this week's chart on how the financial situation of the US family changes.

In 2007, the median household income reached 58,149 dollars, then dropped onto the cliffs as the financial cycle reached its peak, but with the advent of the financial crisis, it peaked in the third quarter of 2008.

From the data of the most recent year, these two categories have returned to pre-crisis highs. The median household income exceeded historical highs in 1999 - total household debt in the first quarter of 2018 exceeded $ 13 trillion, more than $ 500 billion more than the 2008 peak.

Consumer debt is almost the same as the total scale 10 years ago, but the composition has changed significantly.

Mortgage debt, which accounts for the majority of consumer debt, is still 4% less than the 2008 peak in fact. Replace other forms of debt including student loans:

Since 2008, student loan debt has soared by 131% and car loans have increased by 52%. Residential mortgages, credit obligations and other non-housing obligations have yet to recover to the peak before the crisis.

In the 1970s, the two rates were between 13-15%, similar to the percentage of income. According to Mick, today's savings rate is below 5%, the ratio of debt to annual income has risen to 22%.

The way you manage your money, income, savings, and expenditure has changed dramatically in the past decade. Mainstream technology is rapidly interwoven with our daily lives, and we are developing habits we have never dreamed ten years ago. These changes will continue to increase more and it will be easier for you to jump out of the curve as you will save a lot of money as new companies enter the field trying to expand their market share I can do it. Regardless of your economic needs, managing them should be as simple as sending text or swiping cards. Do not shy away from new technology just because it is new for you, but looking for new opportunities and growing as they prosper in fertile markets.

Each of these customs is an essential element of society and business. Evolution and imitation of all habits created important new market opportunities. Changes in these customs in the future may create new important market opportunities if these changes have generated market opportunities during the past 40,000 years, as we have shown. Advances in neuroscience indicate that we are biologically programmed to cooperate. To provide meaningful benefits, individuals must acquire reliable ability from about 2 years of age. As individuals mature, the concept of trust discovers more and more applications. Trust is a basic skill in managing life that becomes more complicated as we get older. The more complex the environment, the more reliable you need.

It goes without saying that we have to find a way to change some of the sedentary habits we adopted over the past few decades. We are mobile species, our goal is to move. For many office residents it may be difficult to incorporate new ideas into their daily lives, but as recommended by experts, each time you take several times a day, 10 minutes each will give you the desired result I guess. Let's make simple changes to work and life. Stand up while speaking and calling, using a desk sitting, walking with clients and colleagues, not sitting in front of the desk, going out for lunch break, go up the stairs. If you actively move, all your biological systems will get the kickstart they need