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I'm happy too have started in the gutter with 20 cents in my back pocket and worked my way up,and if you think you have a problem with the"BB" cashed up mindsets now:) then wait till,the next phase of those in that age group start to retire,or have retired long ago,and stop spending,not one...

Good question,when i started the rates were above 18%,back in the early 1980's,the media did not pump and dump useless data on the investing public as much back then as the they do in these modern times,HOBO-JO what you have to do is see through all the media hidden agendas-- rates-house...