I may be wrong...it wouldn't be the first time I looked like an idiot Please take a look at this page...search for the term "IRA"...as of a cached version of a doc from the Federal Reserve...IRAs were NOT part of M2! http://webcache.googleusercontent.c...h6/perfeval2012.htm+&cd=4&hl=en&ct=clnk&gl=us If you look at the "notes" from the latest release from the Federal Reserve... IRAs and 401Ks are NOW PART OF M2!!!!! http://www.federalreserve.gov/releases/h6/current/default.htm What just happened? Did IRAs and 401Ks just become part of a "bail in"? If I am wrong, please let me know!