Andy Constan: Credit issuance leads to spending and savings cycle

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05.05.2026

Andy Constan: Credit issuance leads to spending and savings cycle — Credit issuance drives spending and savings

Andy Constan, founder and strategist at Damped Spring Macro, explains how credit and money creation circulate through issuance, spending, and savings.

Constan describes this process as a critical cycle in financial systems, emphasizing that timing plays a key role.

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Constan recently observed that next-twelve-month earnings growth expectations have climbed to 26.5% year-over-year, a level rarely seen outside of major market rebounds, in a previous note. He also questioned Federal Reserve officials' strategy when key policymakers halted quantitative tightening and favored higher reserve levels, as detailed in a recent analysis. These previous observations frame his current focus on credit and money cycles.

This material may contain third-party opinions, none of the data and information on this webpage constitutes investment advice according to our Disclaimer. While we adhere to strict Editorial Integrity, this post may contain references to products from our partners.

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