Thats what I think is responsible for the economic boom of the 90s. More people spent their money on [unnecessary] goods, a part of it due to the ease and availability of credit from banks and credit cards. More spending = higher sales and growth for many companies. This increased spending (demand) also drove the technology advances. While it was great for the economy at the time, it wasn't healthy for society and has little benefit for the economy in the long run (if the trend changes where people start saving more and are more financially responsible, I think that would hurt our economy). Here is a graph: <img src="http://msnbcmedia.msn.com/i/msnbc/Components/Art/BUSINESS/050520/Chart_PersonalSavings2_05052.gif"> This is just my opinion, what do you think?