About 41% of Americans have no money invested in the stock market. Frugal savers are now paying off home mortgages and using the savings to reduce debt. As interest rates rise saving at banks with CD's has the prospect of becoming a viable option, which was taken away by the policies of central banks during financial crises of such as in 2009 of cutting interest rates to zero. The US returns to the more normal environment for savings growth and interest income that prevailed during the period after the 1950's.