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reply to grrrr

Re: And in a year they'll be wishing they hadn't

Agreed. However, please try not to point out to many rationale statements in one post. It might confused them, and these types confuse easily. If not given a proper serving of freedom fries, war, unchecked spending, and big brother, their heads will pop. With that stated, Americans save less now than at any time. Disposable income really isn't a measure of anything truthfully. GDP and inflation are the true measure of quality of life. If your income, when adjusted for inflation is increasing, then you are doing "OK". Disposable income is merely how much can you sink yourself in debt. It doesn't mean you're making more. It just means you're maxing out more credit cards and borrowing.