Although this year’s report painted a positive picture overall, officials said, it identified underlying fragility and exposed pockets of distress. In line after line, the report lays out the everyday concerns that plague U.S. households.

Almost 4 in 10 people (39 percent) said they wouldn’t be able to scrape together the cash to meet a $400 emergency expense. Even without any sudden expense, about 17 percent of adults said they would miss a payment on at least one bill during the month surveyed.

More than 6 in 10 said losing their job would mean they couldn’t cover three months of expenses, even if they took out loans, sold assets or borrowed from friends and relatives.

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Only 36 percent said their retirement savings are on track.

Almost a quarter of Americans skipped some form of medical care in the past year because they couldn’t afford it. Separately, 1 in 5 faced major, unexpected medical bills. About 4 in 10 of those folks were still carrying debt related to those bills.

The survey covers 2018, when the unemployment rate averaged 3.9 percent, the lowest since 1969, and the economy grew 2.9 percent, matching its post-Great Recession high. Average hourly earnings grew 3 percent, easily the fastest rate since the recession’s end. But those figures are broad national averages — if gains are going disproportionately to the wealthy few, trends among the majority of U.S. workers could be missed.

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When David Moore, owner of D&D Automotive in Las Cruces, N.M., heard he will soon be living through the longest economic expansion on record, he sounded indignant.

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“It’s not expanding for me,” he said. “It’s getting worse.”

Moore has been a mechanic for 40 years. He said these days, customers often have to leave their cars with him until payday rolls around, or until they can scrape together the money.

“I had three jobs this week that I lost because it’s too much money,” Moore said. “They hauled the cars off. They’re not going to fix them.”

“There’s not any extra money laying around for a lot of people,” Moore said. “I get sticker shock adding up tickets sometimes,” he added later. “Everything’s gone up.”

In fact, when his son had to go to the emergency room last year, Moore himself couldn’t cover the $2,000 bill up front. He’s still sending the hospital $100 a month to pay off the bill, he said.

“Another year of economic expansion and the low national unemployment rates did little to narrow the persistent economic disparities by race, education, and geography,” the report’s authors wrote.

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In particular, measures of economic distress continue to spotlight black workers and, to a lesser extent, Hispanics. Only 47 percent of black adults rated their local economy as good or excellent in 2018, compared with 68 percent of whites.

Black Americans are less likely to be working and less likely to be satisfied with how many hours they’re getting on the job.

The disparities are sharp even among Americans who attended college. About 28 percent of black people are behind on their student loans, as are 15 percent of Hispanics.