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The bond rates had been above 3% most of the time in 20 21st centuryRates have fallen for 60 years. When rates are falling people borrow more and more money because your interest expense drops and the value of your collateral rises.With rising rates the opposite happens your interest expense increases as the value of your collateral falls. Just getting us back to historical rate averages is going to skullfuck all the people that thought the gravy train of the last 60 years was going to continue.Think about why your parents aren rich for example:You have cash flow of a 100k.

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