(https://www.marketwatch.com/story/the-bond-market-hasnt-been-this-calm-since-the-dot-com-bust-and-the-financial-crisis-history-warns-of-a-rude-awakening-5597c25d?mod=mw_rss_topstories) — junk spreads are at pre-financial-crisis lows. That should terrify you. Meanwhile, the 10-year is sitting at 4.71% and pay raises are shrinking while employers are already cutting hours.

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