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What's the big problem with people spending less money then they did? I mean, I'm always listening to you complain that people are spending too much money and not saving any at all." You're right, I do say that a lot and I mean it. Unfortunately, what's happened right now is, historically, fairly recent. It all started about 1960 or so, when credit cards were invented. Because credit became so easy to obtain people quickly got used to spending more than they made. Right now, the average household in the United States is well past $50,000 or more in debt. And, by the way, that does not include home ownership. That's way up from the 50s when the average debt load was less than $4,000 per household which did include home ownership."Son, do you remember once when you asked me what money was?" Sure, you said it was nothing more than a tool people used to acquire the things they wanted. Seems to me I remember you saying it was an invention someone came up with to ease the problems. "No, not Ground Zero," I reply with a smile. "Just good old Battery Park. I'm not into disaster tourism today."The cabbie nods and threads his big Crown Victoria into traffic. Ten minutes later, I am down at the south tip of Manhattan, where Battery Park overlooks the bay and allows a view of Lady Liberty holding her torch aloft in the harbor. In the summer, this place is usually lousy with tourists waiting to hitch a ride on the Liberty Island ferry, but today the promenade is blissfully empty. A few people are rollerblading or walking their dogs, and I have no competition as I buy a cup of coffee from a street vendor and sit down on one of the benches overlooking the water. Out in the harbor, the cold wind is beating the waves frothy.I sip my coffee and look out over the water. Behind me, a city of millions is hustling, with most everyone engaged in the process of making a living. Sooner or later, I will have to get join them in the process, but for now, I cannot muster any sense of.
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