 Our economy is based on people going further and further into debt. It's okay if you're in business and you keep buying apartment buildings and you go further and further in debt because you're borrowing to make money. But the average consumer should be trying to get out of debt and build up some type of residual income, whether it's a couple rental properties, whether it's their pension, if you get a traditional pension or you pile up your cash in a 401k and you now live off the interest, which that can be challenging.