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Are We in a Recession Yet? Recession Predictions for 2023

Find out if we’re in a recession right now and what the economic predictions look like for 2023.
Deepti Nickam - Finance Writer
Written by

Deepti Nickam

Deepti Nickam - Finance Writer
Written by
Deepti Nickam
Finance Writer

Content writing and marketing professional with 4+ years of experience in the B2B and B2C sectors. Deepti has written about several subjects, including finance, project management, human resources, and more.

Learn more about our editorial process

Derek Sall - Personal Finance Expert
Reviewed by

Derek Sall

Verified by an expert
Derek Sall - Personal Finance Expert
Reviewed by
Derek Sall
Personal Finance Expert

Derek has a Bachelor's degree in Finance and a Master's in Business. As a finance manager in the corporate world, he regularly identified and solved problems at the C-suite level. Today, Derek isn't interested in helping big companies. Instead, he's helping individuals win financially—one email, one article, one person at a time.

Learn more about our editorial process

Lauren Bedford - Finance Writer

Lauren Bedford

Lauren Bedford - Finance Writer
Lauren Bedford
Finance Writer

Lauren is a published content writer who is passionate about helping and informing others through her content. In the last 5 years, Lauren has written about a range of subjects, including business, technology and finance.

Learn more about our editorial process

May, 08 2023
20 min
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To say the economy right now is weird would be an understatement. The stubborn inflation is finally dropping down, but the Fed still plans to increase the interest rate to achieve its 2% target. Major tech companies are announcing layoffs every day, but unemployment claims are at a record low of 3.5%. 

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In the midst of these mixed signals, experts are certain we’ll see a recession in 2023. 

This prediction may get you to question a ton of things, including what a recession really is, what it looks like, is a recession coming, and how to prepare for it. 

We’ll take you through all that and much more—

What is an Economic Recession?

The general definition of a recession says it’s an economic downturn that’s marked by two consecutive quarters of negative gross domestic product (GDP).

The National Bureau of Economic Research (NBER), the organization that defines US business cycles, takes a different approach. It says the recession is a significant decline in economic activity that’s spread across the economy and lasts more than a few months.

So, is America in a recession? Among other things, factors like the strong labor market and corporate earnings growth have convinced experts we aren’t in a recession yet. But the risk of one is undoubtedly looming over our heads. 

US Recession: America’s Key Market and Economic Data Indicators

Is a recession coming? This detailed breakdown of America’s key economic and market indicators should help you see the bigger picture: 

Economic indicators

Recent report


Gross Domestic Product (GDP)

+2.9% (December 2022)

Good: +2.1% overall growth in 2022

Consumer Price Index (CPI)

6.5% (December 2022)

Bad: inflation is above the Fed’s 2% to 3% annual target rate

ISM Manufacturing Index

46.30 (March 2023)

Bad: decline of 18.91% from 2022

Industrial Production

+1.6% (March 2023)

Neutral: decline of 0.7% from February 2023

Retail Sales

+5.4% (January to March 2023)

Neutral: consumer spending trajectory remains weak

Conference Board Leading Indicators

- 0.3% (February 2023)

Bad: LEI is a reliable indicator of recessions

Market data indicators

Recent report


The stock market

+7.5% (mid-April 2023)

Neutral: market remains volatile in 2023

Treasury yield curve

-0.59% (April 2023)

Neutral: inverted yield curve is creeping back into positive territory

Unemployment rate

3.6% (February 2023)

Good: significantly less than the 15% in April 2020

Initial jobless claims

228,000 (April 2023)

Bad: more people are losing jobs and claiming unemployment checks

Job openings

11 million (December 2022)

Good: significantly more than the seven million in January 2020

Real estate market forecast

+9.8% new projects (February 2023)

Bad: overall rate is 18% smaller than the number of housing projects seen in 2022

Here’s a quick round-up:

  • Good: 3
  • Bad: 5
  • Neutral: 4

As time passes, it appears that more of our data points are drifting into the neutral zone rather than remaining positive. This could mean that the US is on the verge of a recession.

However, not every data point listed here would have an equal influence on whether the economy will go into recession. If the GDP continues to grow (which seems unlikely) and the inflation moderates, we may escape a recession and have what the Fed describes as a “soft landing.”

But given the recent stress on the banking sector and how that affects the Fed's rate hikes, the economy will probably continue declining. The US is not in a recession just yet, but things aren't looking too good.

Recession 2023: The Shocking Collapse of Silicon Valley Bank

Apart from key economic indicators, a recent event that has added to the fear is the collapse of the Silicon Valley Bank. We’re talking about a lender to some of the biggest names in the American tech space. 

So, what triggered the largest bank failure since the 2008 financial crisis? And will this lead to a recession? Let’s find out—

What triggered the Silicon Valley Bank collapse?

The Silicon Valley Bank was flush with cash from high-flying tech start-ups for decades. It kept a small chunk of its deposits in cash and used the rest to buy long-term debt (like Treasury bonds). 

These investments promised steady returns when interest rates were low. But the whole strategy was shortsighted—and the bank soon faced the heat when the Fed started raising interest rates to combat rapid inflation. 

The bank further contributed to its own demise by concentrating its business on the tech industry. So when funding began to dwindle, tech start-ups and their executives began to tap their accounts more. 

The Silicon Valley Bank had to then sell its investments at steep discounts to fulfill these requests, leading to a complete free fall.

What’s happening now?

The Federal Deposit Insurance Corporation (FDIC) took over the 40-year-old bank. This move has put about $175 billion in customer deposits under its control.

Could this trigger a recession?

While this event alone can’t trigger a recession, economists warn that there are several other banks going under. These banks can be sitting on unrealized losses on their bond portfolio. And if they had to sell those bonds at market value, they could go bankrupt—just like the Silicon Valley Bank.

Are We Going into a Recession? Our Recession Predictions

Are we headed for a recession? Based on all the factors we’ve addressed so far, the US can experience two recession-related outcomes. Here’s a breakdown of both scenarios—

1. Soft landing or a mild recession

A soft landing is a cyclical slowdown in economic growth that avoids recession. In other words, this is the outcome we’re all hoping for. 

The Federal Reserve is actively seeking a soft landing by raising interest rates. The aim is to prevent the economy from experiencing excessive inflation without causing a major slump.

Here’s why a soft landing is still possible for the US: 

  • Consumer spending, which accounts for around 70% of the US economy, remains robust. 
  • According to the most recent jobs report, the unemployment rate is 3.4%, the lowest since May 1969. 
  • The number of job opportunities has reached an all-time high of 11 million as of December 2022.

2. Deep recession

Inflation is currently cooling, but this doesn’t necessarily mean the Fed may slow or cease hiking interest rates. Experts believe inflation numbers don’t tell us the whole story.

For instance, inflation among services—as opposed to goods—hit its highest level since 1982 in January 2023. Past recession figures reveal that services inflation usually only comes down after the unemployment rate has picked up. Hence there’s a high chance we’ll see weak employment figures before the inflation weakens.

So, how bad will the next recession be? Experts suggest a deep recession would mean a steep fall in stock prices in 2023. The S&P 500 could even hit as low as 3,000 this year—implying a loss of 26% to 29%.

Is the Economy Going to Crash? Top Cities Prone to Recession

Not all American cities will be equally affected by the impending recession. Here are five key factors that determine how prone a city is to a severe economic downturn— 

1. Cities popular with tourists

A 2023 study by North Carolina’s Kenan Institute predicts that cities that rely heavily on tourism are expected to take a beating during the next recession. That’s because customers may cut back on unnecessary spending during an economic downturn. 

Tourism-intensive areas such as Orlando, Las Vegas, and Miami are expected to take a bit hit. 

2. Construction-heavy cities

Kenan Institute’s study also points out that the construction sector appears in danger of experiencing heavy layoffs. 

This could in turn affect cities that rely heavily on these jobs, such as Tampa and Jacksonville. Philadelphia, another construction-focused city, is also predicted to have the greatest decline in growth (-2.6%) in 2023.

3. Cities which aren’t tech hubs

A study by study Journal of Urban Economics suggests that tech resource-rich metros and knowledge hubs were the less hard-hit by the Great Recession. This means cities with large tech industries like San Francisco, Austin, Raleigh, and Denver may keep growing during the next recession.

This leaves America’s least tech-savvy cities vulnerable to the impact of a recession. This includes cities like Laredo (Texas), Punta Gorda (Florida), Huntsville (Alabama), and more.

4. Cities with high poverty levels

GOBankingRates did a study of 89 major metropolitan areas in the US and found that regions with increasing poverty percentages were the most prone to the next recession. 

Here are some American cities with the worst poverty rates:


Percentage of people with income below the poverty line

Fresno, California


Toledo, Ohio


Stockton, California


Bakersfield, California


Las Vegas


5. Cities with inelastic home prices

Journal of Urban Economics’ study also suggested that metro economies that are more dependent on housing (or have “lower housing price elasticities”) are also more vulnerable to recession.

This is probably why Rustbelt metros like Detroit and sprawling Sunbelt cities like Miami, Las Vegas, Tampa, Orlando, and Jacksonville were hugely affected by the “Great Recession” in the late 2000s.

Timeline of Previous American Recessions: What History Tells Us

If we do enter a recession, when will the economy recover? While nothing is set in stone, we can make a calculated guess based on data from previous recessions. 

Here’s a brief breakdown:

Past recession

Time period


GDP decline

Unemployment rate

Primary trigger

Roosevelt Recession

May 1937 to June 1938

13 months



Contractionary fiscal policy of the Roosevelt administration

V-Day Recession

February 1945 to October 1945

Eight months



Government spending dried up at the end of World War 2

Post-War Brakes Tap Recession

November 1948 to October 1949

11 months



First phase of the post-war boom saw a backlog of consumer demand and a shortage of production capacity

M*A*S*H* Recession

July 1953 to May 1954

10 months



Wind-down of the Korean War

Investment Bust Recession

August 1957 to April 1958

Eight months



Tightening of the monetary policy as the inflation rate rose from 0.4% in March 1956 to 3.7% a year later

‘Rolling Adjustment’ Recession

April 1960 to February 1961

10 months



Consumers’ reduced demand for domestic autos and growing competition from inexpensive imports

Guns and Butter Recession

December 1969 to November 1970

11 months



Increased military spending in the Vietnam War

Oil Embargo Recession

November 1973 to March 1975

16 months



Start of the Arab Oil Embargo, which would quadruple crude prices

Iran and Volcker Recession

January 1980 to July 1980

Six months



Iranian Revolution that caused oil prices to double

Part 2 of the Double-Dip Recession

July 1981 to November 1982

16 months



Inflation was up to 11.1% during this period

Gulf War Recession

July 1990 to March 1991

Eight months



Iraq invaded Kuwait, resulting in an oil price shock

Dot-Bomb Recession

March 2001 to November 2001

Eight months



Collapse of the dotcom bubble

The Great Recession

December 2007 to June 2009

18 months



Downturn in US. housing prices triggered a global financial crisis

COVID-19 Recession

February 2020 to April 2020

Two months



COVID-19 pandemic spread

Is the US in a Recession? Top Tips to Prepare for an Economic Downturn

Here’s a step-by-step breakdown of what we think is the best way to prepare for the upcoming recession

1. Set up an emergency fund

A Consumer Financial Protection Bureau report from 2022 says 24% of customers have no emergency savings, while 39% have saved less than a month’s pay.

This means most Americans are living paycheck to paycheck and would be in trouble if they lost their jobs during the recession. Weekly unemployment benefits of $398.87 will barely cover an individual’s cost of living in the US. 

That’s why it’s critical to have an emergency fund. Get your emergency fund to cover at least one year of expenses. Don’t get intimidated by that number. Start making small contributions today. 

2. Zero in on debt repayment

Paying off your debts should be your first priority while planning for the next recession. 

Here’s the thing: When the recession comes, you’re more likely to lose your job. This has an immediate impact on your ability to make repayments. That’s why it’s critical to be debt-free before the economic collapse.

Take stock of your financial status and prioritize repaying:

  • Credit card statements. 
  • Rent versus mortgage.
  • Payments for a car.
  • Medical bills.
  • Loan repayments, among other things.

Not sure where to begin?

Consider using the debt snowball method. This debt-reduction technique prioritizes debt repayment from smallest to greatest. As you knock out each remaining balance, you gain momentum. 

See how you can get out of debt fast:

Check out our free calculators:

3. Recession-proof your 401K

One thing is certain: When the recession hits, the value of your 401K assets will begin to dwindle. And, predictably, 401K participants will have a knee-jerk reaction and begin selling.

Rookie error. Unless you’re less than five years away from retiring, you’re a long-term investor in your retirement plan. Short-term market swings shouldn’t faze you.

Instead of selling out, continue making monthly 401K payments—and reap compounding benefits over time. 

4. Reconsider expenses, especially pricey ones

To figure out the bare minimum you can spend each month, start budgeting. Begin sorting your costs according to priority by separating your “wants” from your “needs.”

Wondering how to go about this? Trinity Owen, Founder and CFO of The Pay at Home Parent, recommends a values-based budgeting system,

This system starts with families identifying their core values, which may include financial security, education, health, or personal growth. By clearly defining these values, your family can align their financial decisions with their long-term objectives, creating a roadmap for their spending habits.

Trinity OwenFounder and CFO of The Pay at Home Parent

Once the core values are established, create a detailed budget, and categorizing expenses based on your values hierarchy. This will involve assigning a portion of your income to various categories, such as housing, utilities, savings, and discretionary spending. Regularly reviewing and adjusting the budget will ensure your family remains on track to achieve their financial goals.

Trinity OwenFounder and CFO of The Pay at Home Parent

Additionally, consider studying patterns in your previous monthly expenses to identify where you overspend—this way, you’ll be more aware of where to tighten your spending in a downturn.

Check out our free monthly budget template to get started.

5. Diversify Your Investment Portfolio

Don’t put all your eggs in one basket. It’s cliche, but it’s true—especially in terms of investment.

A well-diversified investment portfolio is crucial. That means your investments shouldn’t be tied to a single stock or real estate property.

Make sure to diversify your investments across various markets and companies. This way even if one sector or company has a decline, your entire portfolio remains unaffected.

For instance, if you’re investing in stock apps, you can distribute your funds over a variety of sectors, like consumer goods, healthcare, and technology.

It’s a good idea to invest in different investment apps related to mutual funds, index funds, real estate, and small businesses to diversify your portfolio. Also, make sure to calculate your investment returns to stay ahead of the game.

6. Take Stock of Your Career Opportunities

We’ve established that recessions can often lead to more unemployment. Working on a backup plan is key so you’re prepared to face a layoff.

Here are some ways to expand and choose a new career:

  • Work on building connections within your professional network and get more career advice.
  • Update your resume and socials to include relevant work experience. 
  • Study the job market to note job requirements and interesting profiles. 

Thinking about switching careers? Consider pursuing a recession-proof job or industry. While no company or industry is 100% safe from an economic crisis, some jobs are safer than others. 

Recession-proof industries include:

  • Consumer staples
  • Medicine
  • Grocery stores
  • Discount retailers

Recession-proof jobs include:

  • Healthcare professionals
  • Auditors, accountants
  • Insurance providers
  • Underwriters
  • Law enforcers
  • Judiciary workers

7. Capitalize on the Gig Economy

Another successful recession tip would be to create multiple sources of income. Consider keeping your current job and working on a side gig for extra income

Are you passionate about something? Do you have additional skills you aren’t using in your current job?

Your side hustle idea can be anything from teaching to selling products online. If you’re interested in freelancing, check out side hustle apps like Upwork and Fiverr to discover job opportunities. 

Read about more side hustle ideas:

Key Takeaways


  • Experts are certain we’ll witness a recession in 2023, even with the inflation and unemployment rates dropping down.
  • Based on our analysis of twelve key economic indicators: 
    • Three of them (GDP, unemployment rate, and job openings) look good.
    • Five others (CPI, ISM Manufacturing Index, Conference Board Leading Indicators, jobless claims, and housing forecasts) look bad.
    • Four remaining ones (industrial production, retail sales, stock market, and treasury yield curve) are in the neutral zone.
  • The 2023 US recession can either have a soft landing or develop into a deep slump. The latter can cause a steep fall in stock prices.
  • Top American cities that are prone to recession include:
    • Tourism-intensive cities like Orlando, Las Vegas, and Miami.
    • Construction-heavy cities like Tampa, Jacksonville, and Philadelphia.
    • Least tech-savvy regions like Laredo, Punta Gorda, and Huntsville.
    • Cities with high poverty rates like Fresno, Toledo, Stockton, Bakersfield, and Las Vegas.
    • Metros with inelastic home prices like Miami, Las Vegas, Tampa, Orlando, and Jacksonville.
  • Start preparing for a recession by setting up an emergency fund, repaying debt, budgeting, and diversifying your investment portfolio.


Here are answers to some commonly asked questions on recessions—

1. What is a recession?

According to the National Bureau of Economic Research, a recession is a time between an economic activity peak and its ensuing low point. A country usually faces a negative GDP, reduced commerce and industrial activity, elevated unemployment, and high inflation rates during this time. 

For instance, the rapid collapse of the US rental property market in 2008 resulted in a severe recession. More recently, the US had a brief recession in the first few months of 2020 as a result of the COVID-19 pandemic.

2. What happens in a recession?

A country’s economic growth stalling or stopping altogether is a key indicator of a recession. 

Here’s what it can mean at an individual level:

  • Your income stagnates or declines as a result of firms either downsizing their workforce or cutting hours. 
  • You have less spending power because of reduced income, which can have a lot of impact on retail sales. 
  • There’s also a significant increase in the price of goods and services, further impairing your purchasing power.
3. How long do recessions last?

According to historical economic data, US recessions have lasted between two and 18 months since 1950, with an average of roughly ten months.

This average timeline is a crucial difference between a recession and a depression. Unlike a recession, a depression is a more severe economic downturn that lasts for several years.

4. How to survive a recession that’s already here?

Don’t freak out if you find yourself in the midst of a recession. You can survive it by focusing on the following elements:

  • Keep watch over economic developments that can have an impact on your revenue.
  • Budget your expenses, downsize, and start living cheaply right now. 
  • Save anything and everything you can—it’s crucial to keep adding to your emergency fund.
  • Take minimal risks when making investments, and avoid making snap judgments that may end up costing you in the long term.
  • Maintain bare minimum debt repayments. This way you’ll have some cash on hand for future tough times.
5. Are we in a recession right now? 

Many economists agree that the US isn’t in a recession right now. According to the most current GDP data, the American economy expanded by 2.9% in the fourth quarter of 2022. This comes after a growth of 3.2% during the previous quarter. 

This scenario clearly goes against the traditional definition of a recession. 

6. Will there be a recession in 2023?

When will the recession hit? Most business economists now predict that the US recession will start in the latter half of 2023. This new prediction comes after a series of reports indicating that the economy remains resilient despite frequently rising interest rates.

According to a panel of 48 forecasters interviewed by the National Association of Business Economics (NABE), 58% of economists still believe there is a greater-than-50% likelihood of an economic slump in the next 12 months. But just 28% expect the slump to begin in this quarter. 

7. Can you take advantage of a recession?

It’s indeed possible to benefit from a recession. Wondering how?

Remember that a recession is usually followed by a recovery period. This recovery period will see a strong rebound across industries, especially in the stock markets.

Here’s how you can take advantage of this scenario—

1. Dollar-Cost-Average Your Investment

You can take advantage of a declining market using the dollar-cost averaging method of investing. (If you’re making monthly contributions to a qualified retirement plan, you already use the method.) 

When the economy declines, you can take advantage by increasing your contributions or starting dollar-cost-averaging in an investment account.

With this technique, you’re slowly reducing your overall cost basis in the share price. So when the stock prices rebound, your cost basis remains lower than the price. 

For instance, if you invest $1,000 monthly in a mutual fund selling for $50, you can buy 20 shares. If the share price drops to $40, you can buy 25 shares with the same contribution. Your account will now have 25 shares with an average cost basis of $25.

Andrew Boyd, Financial Advisor at Finty, says, “Market volatility in a recession can be daunting and lead most of us to shy away from investing. However, committing to a dollar-cost averaging strategy lets you leverage the discounted prices that arise during such times. This approach minimizes the risk associated with investing a large sum at an inconvenient moment, and can also potentially enhance long-term returns. 

But keep in mind that the success of dollar-cost averaging relies on your patience and steadfastness. It’s crucial to stick to your investment strategy and refrain from making rash decisions influenced by short-lived market fluctuations.

2. Invest in Defensive Stocks

A defensive stock is one that provides stable earnings and consistent dividends, regardless of the state of the overall economy. Defensive sectors include utilities, healthcare, and consumer staples.

These stocks so stable because even during a recession, people must buy food, hygiene products, medical supplies, and access healthcare. These essentials are the last items to be cut from a family’s budget

Other retailers selling non-essentials may experience a drop in revenue. However, companies and retail outlets selling food products and other necessities rarely see a profit decline. 

Well-established companies, such as Walmart Inc (WMT), Procter & Gamble Co (PG), Newell Brands Inc., and so on, are considered low-risk, defensive stocks. 

3. Invest in a Business

If you have a fair amount of cash, consider buying a small business that’s struggling for its assets’ value. 

In a scenario where you’re able to turn things around for the business, you can eventually make money. You can still sell the assets if the business fails and recoup your investment. 

4. Invest in Residential and Commercial Real Estate

Investing in the real estate market may be a worthy investment opportunity as it’ll likely recover after the recession.

Residential and commercial real estate may soon struggle. But the prices of homes, warehouses, office buildings, and retail stores will likely bounce back after the recession. 

For instance, the National Council of Real Estate Fiduciaries (NCREIF) says the average annual return for commercial real estate assets has been 10.3% annually over the last 25 years. So we’d say this is a pretty stable investment option.


See all

Bureau, U. C. (n.d.). Monthly Retail Trade—Sales Report. Retrieved April 16, 2023, from https://www.census.gov/retail/sales.html

Consumer Price Index up 0.4 percent over the month, 6.0 percent over the year, in February 2023: The Economics Daily: U.S. Bureau of Labor Statistics. (n.d.). Retrieved April 12, 2023, from https://www.bls.gov/opub/ted/2023/consumer-price-index-up-0-4-percent-over-the-month-6-0-percent-over-the-year-in-february-2023.htm

Ermey, R. (2023, February 18). A recession could be “deeper than expected” this year, says analyst—Here’s what it means for your money. CNBC. https://www.cnbc.com/2023/02/18/what-a-deeper-than-expected-recession-means-for-your-money.html

Federal Reserve Board—Industrial Production and Capacity Utilization—G.17. (n.d.). Retrieved April 12, 2023, from https://www.federalreserve.gov/releases/g17/current/default.htm

Global Economy Latest: Could SVB Trigger a Recession in the US? - Bloomberg. (n.d.). Retrieved April 16, 2023, from https://www.bloomberg.com/news/newsletters/2023-03-15/global-economy-latest-could-svb-trigger-a-recession-in-the-us

Guide to recessions: 9 key things you need to know | Capital Group. (n.d.). Retrieved April 17, 2023, from https://www.capitalgroup.com/advisor/insights/articles/guide-to-recessions.html

How SVB’s collapse could unravel a “spider web” of global finance. (2023, March 13). ABC News. https://www.abc.net.au/news/2023-03-14/silicon-valley-bank-collapse-us-recession-ripple-effects-world/102089926

Is the U.S. economy really heading for a recession? Here’s what economists think. (2023, January 31). NBC News. https://www.nbcnews.com/business/economy/are-we-in-a-recession-2023-economy-federal-reserve-interest-rates-rcna67826

Krugman, P. (2022, October 6). Opinion | Tracking the Coming Economic Storm. The New York Times. https://www.nytimes.com/2022/10/06/opinion/fed-inflation-interest-rates.html

Lawder, D. (2023, February 24). Yellen says U.S. inflation coming down but core measures remain elevated. Reuters. https://www.reuters.com/markets/us/yellen-says-us-inflation-coming-down-core-measures-remain-elevated-2023-02-24/

Leading Economic Indicators and the Oncoming Recession. (n.d.). The Conference Board. Retrieved April 17, 2023, from //www.conference-board.org/topics/recession/Leading-Indicators-Recession

Nam, R., & Rosalsky, G. (2023, January 24). A recession might be coming. Here’s what it could look like. NPR. https://www.npr.org/2023/01/24/1150319679/recession-slowdown-inflation-interest-rates-jobs-employment-economy

National Bureau of Economic Research. (2023, March 17). NBER. https://www.nber.org/home

Table 2. Consumer Price Index for All Urban Consumers (CPI-U): U. S. city average, by detailed expenditure category - 2023 M03 Results. (n.d.). Retrieved April 16, 2023, from https://www.bls.gov/news.release/cpi.t02.htm

Editorial team

Meet the team
Deepti Nickam - Finance Writer

Finance Writer

Content writing and marketing professional with 4+ years of experience in the B2B and B2C sectors. Deepti has written about several subjects, including finance, project management, human resources, and more.

Kacper Kozicki - Editor


Editor, copywriter, and multilingual translator with expertise in producing tailored content for global online brands. When not editing articles for LifeAndMyFinances.com, he enjoys rummaging through paper dictionaries, walking in nature, and making travel plans.

Derek Sall - Personal Finance Expert

Personal Finance Expert

Derek has a Bachelor's degree in Finance and a Master's in Business. As a finance manager in the corporate world, he regularly identified and solved problems at the C-suite level. Today, Derek isn't interested in helping big companies. Instead, he's helping individuals win financially—one email, one article, one person at a time.

Lauren Bedford - Finance Writer

Finance Writer

Lauren is a published content writer who is passionate about helping and informing others through her content. In the last 5 years, Lauren has written about a range of subjects, including business, technology and finance.

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