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Almost half of U.S. consumers are bullish about their finances in the coming year, with Black consumers (54%) and Latinx consumers (49%), leading the way. And despite the pandemic, nearly one-third have seen improvements in their spending habits and savings, according to a new survey from Chase.

“These findings underscore the challenges from loss of jobs and income and the impact the pandemic has had on consumer finances but also puts into focus how Americans are thinking about money in the future,” said Lawrence Bailey, head of community and business development at Chase.

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