The first part, the savings that is the Time to take the trash out sack them all T shirt of investment does not represent any change in the level of wealth. Reducing spending will not, in and of itself, cause any reduction in the level of wealth. This is because whether a given amount of money is used for spending or not, it still exists in the same amount at the end of the given time period. Reducing spending does not cause any increase in the money possessed in the economy overall. For those individuals who did not spend, they have more, but for those who would have been the recipients of that spending, they have less.