Elaine Chao said this quote

“ We Americans typically are more positive about our individual futures, which we have some control over, than we are the nation's or the world's, which we see largely through the media prism. ”

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While conventional wisdom has traditionally sided against borrowing from retirement savings, sentiment has shifted toward borrowing from one's own assets with the realization that other forms of credit come at a much higher cost and often are not even available to borrowers with limited means and urgent needs.

~ Elaine Chao