My 2 cents?
What's going to kill NIB pinball are the many things in Life that continue to escalate: increased local taxes and fees for local services, more taxes for schools and pension funds that are WAY in red, and increased costs for health care. Most businesses (and employees) will be seeing 30% average increases for health plan coverage in 2017.
Look at what YOU considered your 'disposable' income 5 years ago -, in the case of most folks, that sort of income or pocket money is slowly being eroded away by things in Life, such as the above.
Poughkeepsie, NY
