" I'm personally enjoying these higher rates, and also through Berkshire.

Looks like a lot of Americans aren't enjoying them so much."

Good morning, yes, some of us are very lucky financially and hopefully healthy. I retired from the business in 1992 but friends and their kids kept in close touch. Many kids just can't or won't talk finance with their own parents ,lol. They have IRAS, 401ks, 529s, they lived within their means, but, I'm getting calls from people struggling to stay off the credit cards, aka, financial poison!! As you well know, costs are exploding, insurance, food, maintaining our homes, etc, that's reality 101. My bills are all on auto pay on my Costco credit card so maybe I wouldn't even notice it, but the other 200 million Americans feel it bud. This isn't sustainable for the masses, good people working 40 hour weeks should not be struggling to survive in America. Stay well.