filling up is leaving a lot of money in a lot of wallets these days and leaving a lot of people like bob mckinney with more options on how to spend it. >> groceries, medical bills. all types of bills. >> economists say the impact is tangible for just about everyone. >> that's like a 3% pay raise after taxes. that's a pretty significant amount. >> but record low oil prices that are driving the price of gas down also have a downside since they're part of the reason the stock market has >> unfortunately my stock portfolio is like gone down since the first of the year. >> in fact, not even today's big wall street rally has made much of a dent for the stock market. even with a gain of 2% today since the first of the year, the dow jones industrial average average has still lost more than 8%. >> i think there's a probability that there will be a recession. but it's a small probability in the united states. >> that's because he believes the real story isn't gas prices or the stock market but the over all economy that keeps chugging along. >> the economy is not going down. we saw just today retail sales n