A significant number of Americans are resorting to 'buy now, pay later' apps for groceries amid rising inflation. Record amounts of individuals are withdrawing from their 401Ks early due to financial emergencies. Credit scores are declining as Americans struggle to save and meet payments, with borrowers under 30 facing high delinquency rates. Hardship withdrawals from 401Ks have surged to record levels, reflecting the financial challenges many Americans are experiencing amidst the inflation crisis.