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deal, you think we should not do that? well, yeah. that was insightful, brian. absolutely. we just teach people to stay away from debt. you re not concerned about interest rate moves if you don t have debt. the only concern is my savings account might start paying something for the first time in four or five years. on the people that have money in the banks saved, they re going to like this increase. we do need to keep in mind mortgage rates are not directly tied to the fund rate. they generally track with the fed rate. steve: meanwhile, we ve got an e-mail from nathaniel. he writes in, i owe $600 on credit cards and $11,000 on student loans. i m on track to have to have $10,000 in savings by the end of the year and plan to use this on a down payment for a home. but with interest rates going up, do you think buying a home is a smart decision? i ve got a real unpopular stand on that cause everybody

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