Willie Delwiche, investment strategist at Hi Mount Research, says the bullish sentiment and investor optimism should lift the commodities market and help the market rally keep rolling, though he says investors should be worried that conditions are taking a turn for the worse when more stocks are making new lows rather than new highs or the Standard & Poor's 500 falls below its long-term average. He says the Federal Reserve may decide not to cut rates until those conditions appear, noting that the central bank won't want to act earlier than conditions force it to. Also on the show, Howard Dvorkin, chief executive  at Debt.com, goes Off The News discussing how Fed data showing higher delinquency rates and rising charge-off data are supported at the grass-roots consumer level, noting his site's most recent credit-card survey, which showed that more than one-third of Americans have maxed out their credit cards in recent years as inflation and interest rates were rising. Cassandra Happe, analyst at WalletHub.com, on the site's survey showing that consumers say they are fed up paying credit-card transaction fees, though they are not taking many steps to actually avoid them. Plus Chuck answers two listener questions on subjects that the writers think are political but where Chuck thinks the answers should be focused on process and math.