It depends on where you want to spend. If you want to spend outside the country now, you're going to lose because the US dollar is appreciating. And it should be more than 5%, plus 5% interest rate for a year. A total sum of 10%, or more than $110 is waiting for you at the end of next year.But if you are going to spend it now inside the US, you're going to gain. It's because the inflation rate this year is expecting to be more than 5%, or more than the interest rate. It's because the printing of new money last year for the bail-out, and the price of gas.