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houses and cars. that stalls the inevitable. i wish everybody would leave everything alone and find bottom and then we ll turn back up. we have so many decades of great economy. we will get there. julie: it s a good thing that consumers of become savers but at the same time we need consumers to spend but you say it s not going to change overnight. could washington help sore it too late? i think we have a cultural shift. for many years we had people spending like crazy and now credit card debt is going down big time right now. the savings rate is going up. once we hit the financial crisis wait a minute i don t have a dime in the bank. i have to change my ways. short term, it is not a good thing. longer term, it s the best thing that people have money in the bank and can dip into it instead of hitting a credit card.

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