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One thing has remained constant through the past decade: Consumer spending continues to climb. Despite all of retailers' worries through times of recession, pandemic and inflation, consumers have kept spending. But this year plenty will be different.

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If employees' incomes rise beyond a certain point, they risk losing eligibility for public assistance benefits, like a housing subsidy. And if the pay hikes they receive aren't enough to compensate for the lost benefits, they end up in a financial hole.

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