E.J. Antoni

That's like your interest in your late fees. Yes. That has nothing to do with anybody trying to pay down the balances on their credit card. So it's a very, very terrible situation. Yeah. The silver lining here is twofold. One, it's not getting worse, like we just said. And the other thing was what you mentioned earlier. Incomes are now rising faster than prices.

And we're seeing that when we look at disposable income specifically, that statistic is rising even after adjusting for inflation. And so as people get more money in their pocket, they can start to pay down that debt. It's going to be very painful. It's not as if we can flip a switch and it's all perfect now, and I'm not going to try to paint that overly rosy picture for you.

And we're seeing that when we look at disposable income specifically, that statistic is rising even after adjusting for inflation. And so as people get more money in their pocket, they can start to pay down that debt. It's going to be very painful. It's not as if we can flip a switch and it's all perfect now, and I'm not going to try to paint that overly rosy picture for you.

And we're seeing that when we look at disposable income specifically, that statistic is rising even after adjusting for inflation. And so as people get more money in their pocket, they can start to pay down that debt. It's going to be very painful. It's not as if we can flip a switch and it's all perfect now, and I'm not going to try to paint that overly rosy picture for you.

But things at least have stopped getting worse and now are starting to get better.

But things at least have stopped getting worse and now are starting to get better.

But things at least have stopped getting worse and now are starting to get better.

So we are still seeing growth in foreign born employment, but the native born component of that has really picked up. And it's actually the same thing when we look at like part time and full time jobs. Yeah. Right. Especially in the last half of the Biden administration, full time jobs were going down. All the job growth was part time.

So we are still seeing growth in foreign born employment, but the native born component of that has really picked up. And it's actually the same thing when we look at like part time and full time jobs. Yeah. Right. Especially in the last half of the Biden administration, full time jobs were going down. All the job growth was part time.

So we are still seeing growth in foreign born employment, but the native born component of that has really picked up. And it's actually the same thing when we look at like part time and full time jobs. Yeah. Right. Especially in the last half of the Biden administration, full time jobs were going down. All the job growth was part time.

And as you pointed out, it was pretty much all going to foreigners. Yes. So now what we're seeing, it's not just native-born Americans are getting jobs in addition to foreigners, but full-time employment is coming back while part-time employment keeps growing. So in other words, we are seeing only additions and not subtractions, which I think is a good thing overall. Yes.

And as you pointed out, it was pretty much all going to foreigners. Yes. So now what we're seeing, it's not just native-born Americans are getting jobs in addition to foreigners, but full-time employment is coming back while part-time employment keeps growing. So in other words, we are seeing only additions and not subtractions, which I think is a good thing overall. Yes.

And as you pointed out, it was pretty much all going to foreigners. Yes. So now what we're seeing, it's not just native-born Americans are getting jobs in addition to foreigners, but full-time employment is coming back while part-time employment keeps growing. So in other words, we are seeing only additions and not subtractions, which I think is a good thing overall. Yes.

And full-time means that you get the benefits to have a full-time job. Right. And then with the government, that's one where that's actually reversing now. We've seen government jobs. So if you look at federal employment and I like to take the Postal Service out of that. So you're just looking at kind of the bureaucratic bloat in D.C. Right.

And full-time means that you get the benefits to have a full-time job. Right. And then with the government, that's one where that's actually reversing now. We've seen government jobs. So if you look at federal employment and I like to take the Postal Service out of that. So you're just looking at kind of the bureaucratic bloat in D.C. Right.

And full-time means that you get the benefits to have a full-time job. Right. And then with the government, that's one where that's actually reversing now. We've seen government jobs. So if you look at federal employment and I like to take the Postal Service out of that. So you're just looking at kind of the bureaucratic bloat in D.C. Right.

The Postal Service is thrown in with federal jobs, but it's really its own agency. I'm trying to I'm trying to look at just federal employees, ex-Postal Service. That's gone down every month this year.

The Postal Service is thrown in with federal jobs, but it's really its own agency. I'm trying to I'm trying to look at just federal employees, ex-Postal Service. That's gone down every month this year.

The Postal Service is thrown in with federal jobs, but it's really its own agency. I'm trying to I'm trying to look at just federal employees, ex-Postal Service. That's gone down every month this year.

You have to go back years. I mean, if you exclude COVID, right? Because COVID, everyone lost jobs for several months there. But if you exclude COVID, you have to go back years to find a time when the private sector was adding jobs this steadily while the federal government was laying folks off.