panet panetta. jamie: obviously, that restaurant owner as going to be spending some money and americans actually are making a bit more money and they seem to be spending a lot more, too. maybe not from that bottle of wine though. and one possible reason is, you can t count on interest. five months ago 3.6% and now, it s around 0.23%, which haven t much. and so is all of this additional spending good or bad for the economy? the end, if you want to save what s the best way to do it. joining is michael, uni, private strategies, good to see you. thanks for having me. do you think we will he get back to the newlies, 3.6 sounds really good right now. it sure does and you know, on your introduction, that hit the nail on the head. what we ve got here is just a very simple case of human nature and discipline. when you re earning 3.6% or