I listen and watch CNBC (Financial channel) as my usual media choice when Im in the car or working at home. I love to hear both sides of an argument and find what I consider to be the weak points in each side. Im not much a middle of the road guy. I have strong opinions on almost everything and it takes quite a bit to swing me away from a position once I’ve made a decision (I’m a know it all – But I’m a know it all that is usually right ).
Lately there has been a lot of discussion on what has caused the economy to weaken and what it would take to bring us out of this weakness. As they discuss this issue it frustrates me to no end because pundits don’t even talk about what I think is the primary problem. It isn’t oil prices, it isn’t sub prime lending disasters, and it isn’t illegal immigration affecting the labor market. These are all severe problems that need to be addressed, but the root of our countries financial problems lie in a COMPLETE lack of financial discipline by our general populace and our government and leaders. Everything else is just a symptom. Financial discipline is a general term. What do I mean? Its simple. Its SO simple. You live within your means. If you don’t have enough money for something you DO NOT BUY IT. You invest in and build your future by spending on “smart purchases” (Education, Home, etc) and curbing or eliminating unnecessary expenses.
You must take responsibility for your future and your needs. Your life is 100% your responsibility. It doesn’t fall on the government or your employer or any other entity to provide for you. It falls on your shoulders to solve your own problems. This personal responsibility is a fleeting attribute in so many people.
Our government overspends ridiculous amounts of money on social programs that are excellent programs, but fall outside the scope of what I believe is the role of government. Does it mean these programs aren’t worthwhile? Absolutely not. In fact, many address critical social needs. The problem is every problem can’t and shouldn’t be addressed by government. They are OUR problems to solve. We BENEFIT from the struggle and challenge of overcoming our problems.
I know this isn’t a very popular opinion with a lot of people but it doesn’t change the facts. Until you decide to shape your own future don’t put a hand out for help, put that hand to work!
Matt Heaton / Bluehost.com