Changes in have a psychological impact on consumers who tend to spend more when they feel their net worth is rising and postpone purchases when it declines.

home values

Explanation:

According to my research on studies conducted by various psychologists, I can say that based on the information provided within the question the changes being mentioned are changes in home values. Like mentioned in the question these changes tend to happen when consumers come into an increased net worth, which makes them want to buy things with the extra money that they are making, but when their net worth decreases they hold off on buying things because they need to first pay their necessities.

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