20% today is the APR on a credit card, not the interest rate on an investment. So, does that mean we’re in ‘The Good Old Days’ and can finally reassure Andy Bernard, from The Office, that there is a way to know we’re in the good old days, before we’ve actually left them? Well, if he’s talking about interest rates and not his acapella group at Cornell, then yes. Living in The Good Old Days of interest rates might yield a secondary effect on us later in life too.