oeo2oo, I agree with your list of obstacles to a recovery. I think you must add demographics. The largest group of boomers, those born between 1950 and 1957, are moving past their prime. Studies show that we are our most productive and our spending the highest at average ages of 46-47. Add that to the years 1950 and 1957 and we see a peak in spending and productivity in 1996-2004. Not only do have higher debt levels but we may be trying to pay that debt off with less overall income per capita.
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