Retail sales can be modeled by consumer’s willingness to spend and ability to spend. We use UoM Sent

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Retail sales can be modeled by consumer's willingness to spend and ability to spend. We use UoM Sentiment, Revolving CC, and Personal Income. Relative importance in the model is 0.45, 0.28, 0.27, respectively. Overall lead time for best fit is 5 months. R=0.73 h/t J. Brett Freeze, CFA

Retail sales can be modeled by consumer's willingness to spend and ability to spend. We use UoM Sent

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