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So my wife gave me this motivational calendar for Christmas and this image has now been on the back of the door in my office for 28 short days.  It has given me a chuckle every time I shut out the boisterous conversations and mechanical clacking of the two copy machines in the common space outside my fortress of solitude.

Personal Income rose 0.3% last month, 25% less than expected, While Personal Consumption rose a meager 0.1% during the same period.  The difference was put into savings; the national Savings Rate climbed from 5.0% to 5.5% for January.  I hope that you are getting your DTI in line and saving for a big down payment on a house Mr. & Mrs. America.