History will document that 2019 brought us above average investment returns in most sectors, and also brought worldwide trade wars, political infighting, natural disasters, well known corporate closures, major technological advancement in communication and medicine to name a few. The U.S. economy is continuing to expand at a moderate pace and unemployment numbers are at record lows. As long has been the case, consumer spending is what is keeping the economy growing. The share of internet sales continues to rise versus the big box store sales. What is bought, how it is bought, and how it is paid for is changing minute by minute. Consumers are clearly spending their pay at a healthy clip creating the jobs that keep the economy humming.