Inflation has come down, and rates have come up. As a result, real rates are higher than they've been for more than a decade. So, now it makes more sense, econ

Inflation has come down, and rates have come up. As a result, real rates are higher than they've been for more than a decade. So, now it makes more sense, economically, to delay consumption, than in a long time. https://fred.stlouisfed.org/series/REAINTRATREARAT1MO https://fred.stlouisfed.org/series/REAINTRATREARAT1MO https://fred.stlouisfed.org/series/REAINTRATREARAT10Y https://fred.stlouisfed.org/series/REAINTRATREARAT10Y