silly billy.. https://jamesmacpherson.substack.com/p/prince-lectures-the-world-on-saving?utm_source=substack&publication_id=818792&post_id=178411840&utm_medium=email&utm_content=share&utm_campaign=email-share&triggerShare=true&isFreemail=true&r=1iajzk&triedRedirect=true