You sit your client down, look that company manager squarely in the eye and say, "I've got some news for you. And I don't know how you're going to take it."

He or she sits forward, wide-eyed. What fresh hell is this? You sit back in your chair, letting the silence linger. Go ahead, enjoy it. We won't judge you. Then you deliver the news.

"Tell your workers to spend some more of their money," you tell your client, whose eyes have started pin-wheeling. "They've worked hard all year. And so have you. Besides there's some new research that shows they might be saving too much. So go ahead and live a little."

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