### Comment:
People are hoarding cash and not spending as much as people think. 
  
 Everyone waiting for the market to tank to buy stuff like land, stocks, cars, large appliances etc 
  
 Alot of it is because of global trade uncertainty

### REPLY:
Respectfully disagree regarding people hoarding money. I think if anything, massive amounts of consumer debt are preventing people from buying. Money seems to be tied up in 96 month auto loans and student debt. I don’t think the average American consumer is really saving up for anything

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