Permanent Change (not Obama style)

Ha ha ha.
I remember people saying this was coming, but everyone thought they were kooks. Hooray for listening to kooks!

Americans have already gone from saving NEGATIVE 6% to actually saving 3.4%. That's so amazing. Why were they not doing that in the first place? Well, part of it is lack of discipline for sure. Part of it is that homes and cars were so severely overpriced, but like a frog in a pot of water, we didn't notice it get to boiling, we just sort of expected it, because that's just the way things are.

Well, they aren't anymore.