Imo, this biggie is "No relief in sight". No one can plan on getting a raise, a better paying job, etc etc. Nope hope on the horizon. Pour moi? Energy costs. Too much to heat my house, cool it, the price of gas is too high. I install all energy saving bulbs, every appliance is nearly new and frig it, the bills get bigger and bigger. The fed could try at least to get a handle on energy costs or reduce taxes on energy.