joining to us talk about this and more is peter maluke, ceo and chief investment officer at creative planning. good to have you with us. >> great to be back. >> the economy seems to be growing, albeit slowly, inflation is slow, unemployment is down, interest rates are low. but maybe starting to move up. if i've got some good ideas about what to do with my money, there is a better time to make ? >> if you're talking about personal moves in terms of making a lifetime decision, i really think that there's a macro element and a micro element. and people get caught up in the macro. but for people making individual decisions, they should be really focused on the micro, which is their own situation. where do they stand today? do they have reserves? do they have a secure job? sometimes the security of your job is not tied to the economy, it could be tied more to the industry that you're in. you should be making your decisions based on that. of course there's a macro backdrop which is all the things that you're talking about. and we're in a low-rate environment. if you're talking about somebo