This chart shows that personal saving is at the lowest in US Record . TIC TIC TIC BOOM NO SAVINGS RECORD HIGH RATES ON CREDIT CARD . AND CONSUMER SPENDING AT A RECORD HIGH . . ONCE UNEMPLOYMENT TICKS UP I WANT TO PUT THIS OUT THERE THEREIS ONLY TWO THINGS THAT CAN HAPPEN 1 PUT CASH DIRECT INTO THE ACCOUNT =INFLATION OR CONSUMER CREDIT DEFAULTS START Auto repossessions at a rate of 15,000 a month . or a 3th way debt forgiveness, The MACRO Picture over the next 18months, is NOT good Civil Unrest , homelessness.