Last year Americans spent all of their money, and then some, buying stuff: The U.S. personal savings rate fell to -1 percent, its lowest level in 73 years, according to a February report from the Commerce Department. That's down from a -0.4 percent rate in 2005. The U.S. annual savings rate has fallen into negative territory only four times in history. The other two were 1932 and 1933, during the Great Depression.
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