http://www.newsdaily.com/stories/tre80g083-us-recovery-risk/

some excerpts

Just as Americans used to borrow against the value of their homes before the property crash, now many are taking out loans from their 401(k) retirement savings plans.

Will they not learn that sometimes you live with less? ... Perhaps a few less cell phone plans would save people money and ... like myself allow them to walk in public without causing obstructions for those not texting are stopping to answer or whatever it is that these people obsessed with "being in touch" are doing.

Household borrowing on cards, car loans, student loans and other installment debt jumped almost 10 percent from October to November, according to the Federal Reserve, its biggest jump in a decade.

And thats before Christmas!

Jeff Fielkow, an executive vice president at a recycling company in Milwaukee, Wisconsin, contributed less to retirement savings and significantly cut back on dining in restaurants and taking vacations in order to keep college savings on track for his two children. "We would love to save more," he said, "but we're doing the best we can."

OK so when the EVP can't take vacations or go to restaurants or save for the future what does the truck driver do ... or is and EVP of a recycling firm the driver with the fancy title so many crave?

"enlightment is the gateway to madness" ...

orgy