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.

David Hanson has no position in any stocks mentioned. Matt Koppenheffer has no position in any stocks mentioned. Fool contributor Morgan Housel owns shares of ExxonMobil. The Motley Fool has no position in any of the stocks mentioned. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.