[gdubs]

Low interest rates make saving and debt avoidance even more important, since you can't rely as heavily on the market to grow your savings.

[sk5t]

On the contrary, near-zero interest rates recommend more debt and more risky investments, because (a) debt is cheap, and (b) inflation (stagflation perhaps) will nibble away your savings if you try to ignore the equity markets.

[gdubs]

Ah, I can see how it read that way but I wasn't implying that one shouldn't _invest_ their savings.