I like the brighter future. It does seem kind of weird to count increased income, lower debt, and higher savings as separate wins. Higher income makes sense, bu

I like the brighter future. It does seem kind of weird to count increased income, lower debt, and higher savings as separate wins. Higher income makes sense, but the other two are caused by the first. People couldn’t really increase discretionary spending, so debt and savings would have to improve. I’d expect all of these metrics to not improve post covid. No more help from the government to increase income, no extra money to decrease debt (lower income, higher ability to spend discretionary), and same for savings.