you can thank Bernanke and 0% interest rates. In order to fix the housing bubble. Now they've created another one much more dangerous than those before it, 0% in the bank is a damned if you do damned if you don't situation. Or you can try to catch the equity wave and get off before it all comes tumbling down as it always does. Let some time pass so as not to become disillusioned by the American casinonomic system.