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Kevin Hassett says Americans are spending more because they’re optimistic about the future, pointing to rising wages, low unemployment claims, and stronger incomes for key workers. But many consumers tell a different story. Grocery prices remain elevated, gas costs are higher, and credit card delinquencies have reached their highest level in 15 years. The debate comes down to a simple question: Are Americans feeling economic confidence, or simply paying more to maintain the same standard of living?

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