People are getting more pessimistic about their own financial outlook for the year ahead, according to the latest Survey of Consumer Expectations from the Federal Reserve Bank of New York. Consumers then were also saying one thing — that they were worried about the economy — and doing another — continuing to spend like they weren’t worried. In the last couple of years, when people said they were worried about the economy, Wolfers says they meant they were worried about the headlines of the national economy, not their own household economies.