much better holiday spending. household savings 8.3%. astonishing we re at that high. we were 3.1% on the eve of the great recession when cds were paying 1%. you get nothing right now. i think people have learned their lesson, sandra, and i think it is the scars from the great recession. for the most part most households won t get over the skis despite the fact they re making a lot more money now. they are spending it but spending it wisely. sandra: a cup of hot cocoa with a family member goes a long way. talking is good. bill: celebration of american heroes later tonight. fox nation hosts our first-ever patriot awards ceremony and pete hegseth is there. he will talk to us live about how it is going to go down coming up next. right on. team at newday usa ord loy is helping more veterans refinance than ever. the newday va streamline refi is the reason why.