Everybody needs money. That's why they call it money.

From full global headquarters, this is Motley Fool Money.

It's the Motley Fool Money Radio Show. I'm Chris Helen joining me in studio this week

from Motley Fool 1, Jason Moser from Motley Fool Income Investor James Early

from Motley Fool Supernova Matt Argusinger. Good to see you as always, gentlemen.

Good to see you, Chris. We've got the latest from banking, energy, retail, and more.

Columnous Morgan Howsell is our guest this week and as always we'll give you an inside look

at the stocks on our radar. But we begin with the big macro.

It was just two months ago. The price of oil was around $95 a barrel.

This week the price fell below $60 and James, you got to go back more than five years

to find oil that low and there are a lot of ripple effects. I'm curious which one stands out to you.

Chris, normally I would be tempted to celebrate these cheap oil prices by going on some long pointless road trip.

Now all stocks are down. It's not just oil stocks. It's affecting the whole economy.

In other words, it's not just a supply issue. It's not just the Saudis trying to choke Iran, choke Russia.

It's a demand issue. That's what's got everybody concerned.

Well, I think it is OPEC though and this might be a stretch but I do feel like it's OPEC trying to choke out a little bit of the US oil industry.

Because the shocking thing to me and James alluded to it is if this had happened 10 years ago, oil prices dropping this fast, fast and fast.

I feel like it would be celebration mode for the economy, for the stock market.

But the reality is we've actually become a pretty big energy producer, energy exporter in this country.

This actually has a real effect. I think the OPEC's reaction to not cut their production was a way of them saying,

hey, we're still the top dogs in the world of energy. We don't want the US and other countries to impede that.

It's just from the US. By the way, US in 2015 will be the world's leading producer of oil.

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