I'm far from panicked, I just know that despite what I "make" sounds good on paper that my buying power isnt any better than it was in 2008. In fact in a lot of ways it's worse despite making double or triple the salary I did then. I couldn't imagine the people earning the national average (58k) or less. Dropping interest rates leads to inflation, that you obviously know, but they've worked their shell game and are out of shells.