And that was precisely the problem. it’s very easy to have a...

And that was precisely the problem.

it’s very easy to have a surplus, money in the bank etc etc


Just don’t paint the house, fix the roof, repair the fences, mow the grass, fix the plumbing

you just go to work and don’t spend


then - in a few decades- the whole house falls in.

And that’s precisely where we are at