Americans are facing financial challenges as credit scores decline for the first time in a decade, with borrowers under 30 missing payments at a high rate. Higher-income individuals are turning to discount stores like Dollar Tree and Dollar General to cope with inflation. Some Americans, including those with incomes over $100K, are resorting to 'buy now, pay later' apps for grocery purchases. Aldi, Lidl, and Dollar General are seizing opportunities amid rising prices by attracting customers. High-income shoppers continue to shop at discount stores and opt for store brands.