By all accounts, the U.S. economy is on the mend. Third-quarter GDP growth of 3.5% and the Federal Reserve's ending of quantitative easing both point to a strengthened economic environment that can now take care of itself.

But the picture may not be as rosy as it seems.

As Fed Chair Janet Yellen noted last month, when it came to economic growth, not all U.S. consumers were healing at the same rate and to the same degree, and many clearly were still struggling.

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