About the contributor:Luke LloydLuke Lloyd is dedicated to improving clients’ financial paths and helping them achieve investment goals. He prides himself on being an extremely well-informed investment advisor, financial planner, and wealth manager, guiding clients towards their financial goals through retirement planning and portfolio returns. Learn more about Luke by clicking here!Schedule a 30 minute virtual meeting with Luke Lloyd Book NowLuke Lloyd joins Scott The Cow Guy. on RFDTV and discusses his thoughts on the debt addiction American consumers have and why some people will get themselves into trouble. Where is unemployment heading and how will it impact consumer spending and retail sales? Find out Luke’s thoughts below: