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The back end of 2023 the savings from The pandemic ran out and the consumer Credit cards are now getting maxed the Regional banks are in a liquidity crisis Right now they're going to start cutting Back on lending the normal everyday Person can't afford a house because of Interest rates and the mortgage payment And if they don't lower interest rates And well if they do lower interest rates It's actually going to make houses way More unaffordable so now the middle Class person is sitting there hoping That their company isn't going to Replace them because of AI technology And Innovation and Jerome pal warned us In 2021 I'm paraphrasing he said I'm Worried about the middle class coming Back to a new economy leveraged towards Technology

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