Toby Howell

Bromocryptine?

Bromocryptine.

You nailed it.

You actually got that right.

Watch out, Trey.

Watch out, Trey.

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Yeah, Americans are burning through their cushion at an alarming rate.

They are spending faster than income is growing.

So when that happens, of course, your savings are going to be drawn down.

The big story here, though, is is it good or is it bad that Americans are spending in this way?

And Treasury Secretary Scott Besant has argued that low savings rate could actually reflect some good things because that means consumers are confident they're going out.

Maybe they're putting more money into the stock market.

They're not hoarding cash because,

What do people do during times of recessions?

They do hoard cash, and so savings rate goes up.

So just because low savings is out there doesn't mean it's inherently bad, but then you look at what they are spending their money on.

It's not like they're going on these luxury vacations.