Italians continue to save, and household wealth hits new highs:  by the end of 2024 it reached €11,700 billion, equal to 8.3 times disposable income. However, behind the record statistics lies a less reassuring reality: the gap between those who have a lot and those who have little is expanding. According to the Bankitalia Annual Report, family incomes have slowed, increasing by only 2.7% in the last year, with the self-employed facing more challenges. In the face of uncertainty, the propensity to save has climbed to 9%, while consumption has remained flat (+0.4%). Wealth was mostly driven by financial investments, thanks to the stock exchanges' strong success. Financial assets are now worth more than four times disposable income, indicating a shift toward more market-oriented savings. However, the effect is not the same for everyone, and there is a chance that wealth will only expand for a few.