Take a little trip over to one of the most shocking sites on the internet…..http://www.usadebtclock.org.   This site provides up to date information regarding the nations current debt situation.  This just goes to show you that you cannot spend your way out of a recession, and the more you try the more burden you put on tax payers (as I write this the debt per tax payer is $109,932).  Do what you should have done years ago and get the government as far from your personal finances as possible.  The best place to start is your 401k or IRA, these government created loop holes are just another way to tell you what you can and can’t do with your money.  Why should the government be able to tell you how much you can put into savings for retirement?  Why should the government tell you when you can start to take money out of your retirement savings?  Sure I’ve heard the common excuse, “but if I could take my money out earlier I would spend it on unnecessary things!”  Everybody that says that could use a little lesson on self-discipline and with a little help could better their situation by being in control of their assets.