Shocking that it took so long for a mouthpiece to come too a conclusion like this. I've said it too myself several times that money is a zero sum game, what comes in goes out just like that in the blink of an eye untill the next sucker comes along for the ride and bail you out. Consider how illiquid younger generations are becoming compared to there parents I only assume this ratio to savings will get even wider making us rely on even more loans to hold us afloat from poverty induced mediocrity.