{
  "date": "2026-06-08",
  "title": "What changed this week in future affordability - 2026-06-08",
  "summary": "A weekly source-data changelog showing the tracked future-affordability vectors that moved in the 2026-06-08 refresh.",
  "generatedFrom": "rates.json.changelog",
  "dataUpdated": "2026-06-01",
  "latestAsOf": "2026-06-08",
  "methodology": "Trailing compound annual growth rate (CAGR). Most rows use 10-year windows; childcare uses the 5-year methodology source-audit window. Equities/gold/BTC: monthly closes from Yahoo Finance; sp500 uses ^GSPC price-index closes, while sp500_total_return uses ^SP500TR dividends-reinvested total return. CPI sub-indices + national home: FRED/BLS monthly series. Metro-level homes: Zillow ZHVI (single-family, smoothed, seasonally adjusted). Tuition: College Board Trends in College Pricing (annual).",
  "threshold": 0.05,
  "changes": [
    {
      "key": "sp500",
      "label": "S&P 500 Price Index",
      "category": "Cost vector",
      "isCostVector": false,
      "previous": 13.73,
      "next": 13.4,
      "delta": -0.33,
      "source": "Yahoo Finance:^GSPC",
      "start": "2016-06-01",
      "end": "2026-06-01",
      "years": 10,
      "retrieved": "2026-06-08",
      "refreshCadence": "monthly refresh",
      "note": "S&P 500 Price Index fell 0.33 percentage points from the prior refresh."
    },
    {
      "key": "sp500_total_return",
      "label": "S&P 500 Total Return",
      "category": "Freedom cost vector",
      "isCostVector": true,
      "previous": 15.65,
      "next": 15.32,
      "delta": -0.33,
      "source": "Yahoo Finance:^SP500TR",
      "start": "2016-06-01",
      "end": "2026-06-01",
      "years": 10,
      "retrieved": "2026-06-08",
      "refreshCadence": "monthly refresh",
      "note": "S&P 500 Total Return fell 0.33 percentage points from the prior refresh."
    }
  ],
  "costMoversUp": [],
  "costMoversDown": [
    {
      "key": "sp500_total_return",
      "label": "S&P 500 Total Return",
      "category": "Freedom cost vector",
      "isCostVector": true,
      "previous": 15.65,
      "next": 15.32,
      "delta": -0.33,
      "source": "Yahoo Finance:^SP500TR",
      "start": "2016-06-01",
      "end": "2026-06-01",
      "years": 10,
      "retrieved": "2026-06-08",
      "refreshCadence": "monthly refresh",
      "note": "S&P 500 Total Return fell 0.33 percentage points from the prior refresh."
    }
  ],
  "unchangedNotables": [
    {
      "key": "cpi",
      "label": "Cost of living (CPI)",
      "category": "CPI",
      "value": 3.35,
      "source": "FRED",
      "start": "2016-04-01",
      "end": "2026-04-01",
      "years": 10,
      "retrieved": "2026-04-01",
      "refreshCadence": "",
      "note": "Cost of living (CPI) stayed outside the 0.05 percentage-point move threshold in this refresh."
    },
    {
      "key": "home",
      "label": "Home — US national (Case-Shiller)",
      "category": "Housing",
      "value": 6.45,
      "source": "FRED",
      "start": "2016-03-01",
      "end": "2026-03-01",
      "years": 10,
      "retrieved": "2026-03-01",
      "refreshCadence": "",
      "note": "Home — US national (Case-Shiller) stayed outside the 0.05 percentage-point move threshold in this refresh."
    },
    {
      "key": "rent",
      "label": "Rent — US (CPI rent of primary residence)",
      "category": "Cost vector",
      "value": 4.23,
      "source": "BLS CPI-U, Rent of primary residence, U.S. city average, NSA",
      "start": "2015-12-01",
      "end": "2025-12-01",
      "years": 10,
      "retrieved": "2026-05-31",
      "refreshCadence": "",
      "note": "Rent — US (CPI rent of primary residence) stayed outside the 0.05 percentage-point move threshold in this refresh."
    },
    {
      "key": "housing_owner_carry",
      "label": "Homeowner carrying costs (tax + insurance + upkeep)",
      "category": "Cost vector",
      "value": 3.6,
      "source": "Composite — see methodology",
      "start": "2015-12-01",
      "end": "2025-12-01",
      "years": 10,
      "retrieved": "2026-05-31",
      "refreshCadence": "",
      "note": "Homeowner carrying costs (tax + insurance + upkeep) stayed outside the 0.05 percentage-point move threshold in this refresh."
    },
    {
      "key": "health",
      "label": "Healthcare",
      "category": "Healthcare",
      "value": 2.56,
      "source": "FRED",
      "start": "2016-04-01",
      "end": "2026-04-01",
      "years": 10,
      "retrieved": "2026-04-01",
      "refreshCadence": "",
      "note": "Healthcare stayed outside the 0.05 percentage-point move threshold in this refresh."
    },
    {
      "key": "childcare",
      "label": "Childcare — day care and preschool",
      "category": "Childcare",
      "value": 4.83,
      "source": "BLS CPI-U, Day care and preschool, U.S. city average, NSA",
      "start": "2021-04-01",
      "end": "2026-04-01",
      "years": 5,
      "retrieved": "2026-05-13",
      "refreshCadence": "",
      "note": "Childcare — day care and preschool stayed outside the 0.05 percentage-point move threshold in this refresh."
    },
    {
      "key": "tuition_private_k12",
      "label": "Private K-12 tuition",
      "category": "Education",
      "value": 3.65,
      "source": "BLS API:CUUR0000SEEB02",
      "start": "2016-01-01",
      "end": "2025-12-01",
      "years": 9.92,
      "retrieved": "2026-06-08",
      "refreshCadence": "monthly refresh",
      "note": "Private K-12 tuition stayed outside the 0.05 percentage-point move threshold in this refresh."
    }
  ]
}