Nice stories, and I don't doubt that some money can be productively invested. But does the marginal dollar saved wind up in a productive investment, or does it

Nice stories, and I don't doubt that some money can be productively invested. But does the marginal dollar saved wind up in a productive investment, or does it wind up malinvested? In other words, is money the bottleneck for increasing productivity, or is it figuring out improved processes and predicting the future economic landscape?