1. "The Great Wealth Transfer" has started, kicked off by CoCo, 900k extra deaths in the last 2 years, Baby Boomer parents pass without touching their savings or retirement, "Kids" (they are in their 4ds) now have a shit ton of money can make a career change or just hang out or grandbaby Johnny now has money to go to college debt-free or whatever. Basically, large amounts of wealth are getting passed to the younger generation untouched, people are going into YOLO mode and stopping frying chicken at BoJos.