If the interest rate was below the inflation rate, then you're in a negative real interest rate environment and the rational thing to do is to spend. If the in

If the interest rate was below the inflation rate, then you're in a negative real interest rate environment and the rational thing to do is to spend. If the interest rate is above the inflation rate then the rational thing to do is invest. At least with whatever discretionary income you have. If the real interest rate (not the nominal one) is over 10% you can double your money in about 7 years, which is a fantastic proposition.