Post #89 by BenSolar on the Upstart Holdings board

Stocks A to Z / Stocks U / Upstart Holdings (UPST)

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The savings rate spike during the pandemic is something to behold, eh? Helicopter money, aka 'Economic Impact Payments' ... a lot of which went right into savings the month after it hit the checking account.

Too bad Upstart doesn't publish a longer time series of the UMI. Not too much of interest happened between 2017 and now other than the pandemic, which was a crazy, unique period which it's hard to draw any conclusions from.

I have to think the macro-economic contribution toward risk of default was rather high in the 2007-2010 period, given the immense wave of defaults on home mortgages. I'd like to see how the UMI at that time compares to today.

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