No, that's not a misprint. Even though falling interest rates are good when you want to get a loan, they are bad for people with savings accounts. In this economy your best investment, the best place to put your money is into paying off debts. Think of it as investing in your debt because that is exactly what you are doing. If you put $1,000 into a bank savings account earning 2%, at the end of a year you will have $1,020. If you carry a $1,000 balance on a credit card with a 19% interest ra.