Interest rates across Europe have fallen for most of the past decade, and in many countries they now sit at or below zero. This film examines what that means for ordinary savers, pensioners, and small investors who once relied on bank interest to build security and now watch their deposits quietly lose value. Economists and financial commentators explain how central banks arrived at negative rates, what problem the policy was meant to solve, and why it has struggled to produce the growth its architects promised. The film follows the money as it moves out of savings accounts and into real estate, stocks, and riskier assets, tracing how cheap credit inflates prices well beyond wages. It also looks at the wider consequences: indebted governments benefiting while cautious savers are penalized, and a generation being pushed toward speculation simply to preserve what they have. The picture that emerges is of a monetary experiment still running, with no clear exit and uncertain long-term costs.