Talking heads, investors, and everyday Americans are constantly pointing out reasons to be pessimistic about the U.S. economy. However, that doesn't mean there's nothing to be excited about.

As American households continue to reduce debt levels, debt-to-income ratios have fallen dramatically and sit at a 30-year low. This reduced debt-load allows consumers to opportunistically increase spending. Elsewhere in the U.S. economy, the resurgence of the American oil industry should be a reason to be optimistic.

In the following video from The Motley Fool's everything-financial show, Where the Money Is, analysts David Hanson and Matt Koppenheffer are joined by economics aficionado Morgan Housel to discuss these two trends and what they mean for investors.