 Ever since the end of COVID in 22, where we were saving about a dime of every dollar we make, we've been doing all this revenge spending, catching up on life, and now saving very little money. The average American saving three cents of every dollar they make versus a couple years ago, 10 cents of every dollar they make. And it eliminates the cushion in your life. If in your life, it's because you've been just having a little too much fun with your money,