You have money in the bank earning 3.5%, and it's killing you.
It's not even that the interest rate is so low, it's that it's so . . . embarrassing! You feel -- well, let's face it -- you feel a little like an idiot. After all, 3.5% isn't even 3% after taxes. And with inflation running at whatever it's running at, say 4%, you're actually losing money!
Of course, it was no better a decade ago, in 1982, when banks were paying 12% but tax rates and inflation were higher. You could have been losing money back then too, but...
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