Without Another Stimulus Package the Little Guy Isn't Spending Any More Money

Without Another Stimulus Package the Little Guy Isn't Spending Any More Money

It used to be,  you raise taxes, or even secretly make up new taxes, mostly done by democrats, and we'd think, "SOME DAY WE'LL HAVE TO PAY THIS BILL". The federal reserve will make the government print more money for them, and we'd say "SOME DAY WE'LL HAVE TO PAY THIS BILL". 

Well, not anymore. It's a perfect storm. We have the great reset, an immediate jacking up the taxes and new taxes upon taxes, and half the country isn't working, and they're spending unemployment checks like drunken sailors. The small business market is imploding from lack of employees and big business is imploding from lack of customers, because no one has any money. That great reset didn't  quite work out how they thought it would, put people on the government payroll and they'll love us and accept less in life.

But hold on, they forgot, we have a republic, not a kingdom. Each state, is basically a country all to its own. Everyone seems to forget this. So, when the federal government says, pay the people money, from taxpayers. The state is perfectly ready, willing and able to say no. In fact, not only can they say no, no more  unemployment, because the state is actually paying, not the federal government, they can say, you either work, and make your own money, and businesses better open up, or else. And, there's nothing the federal government can really do.

When you are the one footing the bill, you make the rules. That's pretty much what ever dad says, right? I think this is why there's such hostility against dads. But, that's a whole other video, isn't it.

When we had the typical federal government, with wall street, thinking, we can milk that cheap labor, so let's get as many "undocumented workers in here as normal", but what they forgot was, there was a whole great reset going on, so no one was working, and the low skilled workers weren't working either. So boom, we have a border crisis.

The white house was caught with its pants down, because there's no demand for low pay workers, because no one is working. HOWEVER, also, the typical wall street squeeze of raising prices, when the little man is getting "free" money, also started kicking in and that's where it finally hit. The states said, no more unemployment. So no, there was no "free" money. Also, the states that were still giving out the free money, were also the states that were in the midst of the great reset and no one could come out in public, freely, and spend their money.

So the choice for wall street was, raise the prices in places that didn't have free money, or raise the prices in places where they couldn't spend the free money.

I'm not one to say the sky is falling, the sky is falling, but they all shot themselves in the foot. But here's the kicker. The little guy, in BOTH places, said that's it, no more, we're cutting you off. No more drinking up the little guy's money willy nilly.

In wood and computer graphics card, we've reached the peak. Prices are starting to fall. The white house tried to launch a shaming campaign to get the little guy to keep spending, for wall street, but it can't work, when the little guy doesn't have money.

People are also retiring early. So there's another 40% reduction in the economy. People who would have been happy to get going 10 more years, are calling it quits right now. Instead of going bankrupt or losing their business, they're packing up and retiring. It saves their credit score so they can still buy a house or a car and get decent rates on car loans and home loans.

And speaking of home loans, the other shoe to drop, is about to happen. We can have 800% price jump in wood, and not see it in home prices. Well, again, the little guy is saying no, no more. While other people are talking about a housing crash, what they're failing to educate you on is that, it's not a crash of the home prices or home loans, it's the little guy saying, I am not going to spend $500,000 on a home that yesterday was $100,000.

But wait, that's not all. Banks are saying no we're not extending credit to most people, because we know most people aren't working. So credit AKA home loans are being denied. Surely you can't have skyrocketing home prices if banks say no, we're not lending. That means, we're in the middle of a housing crash, it's just invisible right now. When it reaches something like 40% of people no longer paying $500,000 for a $100,000 house, that's the day this stops and wall street has to stop.

You got good credit? That's just you. You're lucky. People are scrambling for credit and loans. Several new companies launched with the gimmick of no credit check, no hard pull on your credit. If credit was easy to come by, do you think such companies would exist? No. There'd be no need for this. You think the white house would be saying, we need to cancel the credit rating system? It's all a thing to get the little guy credit, so he can keep buying.

I'm no fool. I know 90% of the people that get credit, aren't going to use it wisely. All the studies show it. Banks know it. Banks are saying no.

You want to hear some proof? Something like 40% of all americans, including those with a 700 credit score, are getting payday loans. You would think, with a 700 credit score the little guy doesn't need a pay day loan, but you'd be wrong. Don't bother checking google for that. Google won't share it with you.

For those of you that think, why would you need a loan, because you don't use money like that, for a person a bit more sophisticated than the average joe, money is a tool, not an end. So, an emergency loan, which is another name for payday loan, is useful to them. When banks so no, the people have to go somewhere else to get money.

We're in a bad bad situation folks. We have all these spokes in the wagon wheel pointing at us. When you think you have a handle on one problem, 20 other problems show up and say, if you fix that, you'll got 20 other more problems.

People aren't just packing up and moving back home with dad and mom, because dad and mom don't have it either. They've accepted at 50% cut in their retirement. They're eating tuna sandwiches just like you.

Hey the good news is, there's TONS of job openings. But, be warned, the company you go work for, might actually be about to shut down, permanently. Did you know Google has that as one of the categories on business listings? Closed Permanently. It's so normal, that when i was looking for something, it kept popping up, by accident, and then showing Now Open until 6pm or whatever.

So sure, you can go get a job, but in your interview, you should directly ask, how long are you all going to be in business?

Unfortunately, some companies don't know they're about to go out of business. The distributers can go out of business and boom all the companies that rely on them are done for. Imagine 5 distributers go out of business. Then the companies have no options.

We started out fantastic in 2018 and 2019, but now we're here. And My message is, no one is winning. They thought they were going to win, but, sorry charlie, your greed didn't work out this time.

I got all the international reports, all the wall street reports.

 HEY KID STEP INTO MY WHITE VAN, I'LL MAKE YOU A MILLIONAIRE ON PAPER FOR 30 DAYS? WATCH THIS - intro

A lot of Black comedians joke that credit is for white people, or that Black people just don't have good credit and they rely on white friends to rent the SUV for the weekend trip. "Let's invite Scott to hang with us, since he can rent the van. He got that good white folks credit."

Well, I wouldn't be your rich internet dad, if I couldn't teach you how to get you some good white folks credit. *cough* even to the white folks out there without the good white folks credit. You see folks, what the Black comedians don't tell you is, that's all a joke. White folks are just as broke as Black folk and white folk don't pay their bills, just as much as Black folk. The real white privilege, according to real Black people, not these weird political groups, is the fact that white people are assumed to have good credit, not be a shoplifter, and not have fatherless kids, when the opposite is the fact. In fact, they're even worse. But, don't worry. Just like the weird white groups got the definition wrong on what white privilege is, the consequences of what real Black people think of what real white privilege is, is that it doesn't make a cotton picking difference to real Black folks. White people can be perceived to be nice, all day long, but unless they getting in the ditch right along with you, to make that daily bread, they're going to be just as hungry as the other people that don't make their daily bread.

No real Black person ever said white privilege, did anything FOR white people. Like that Eddie Murphy Saturday Night Live skit, where he painted himself white and they handed out money on the all white bus, and handed out free loans, without having to pay it back at the all white bank, THAT WAS A JOKE.

I'm the richest person for miles around, around here where I live, surrounded by white, Latino, Black, Asians. And what's funny is, my credit has words like, "exceptional payment history" on it. Years and years of perfect payment, no late payments. 

In fact, let's talk about that right there. Did you know you have to be something like 60 to 90 days late, before the company reports it to your credit? Companies play a big dog, but they're not the mean dog you think they are.

The moral of that story is, pay it, when you have it, don't just not pay it at all, feeling sorry for yourself that you just ruined your credit by being 5 days late. Don't worry about it.

Guess what? That exceptional payment history, technically is a lie. I've been late plenty of times, but it was only by a few days and I paid, it and the company was happy.

So what are my intentions on this series. These 10 steps

• - I want to teach you why credit, is amazing and how it can be amazing for you.
• - I want to lead you down the path of having the right attitude about money and what money really isn't
• - I want to fix your miseducation about debt and that there's good and bad debt
• - I want to teach you about stocks and how you should be a part of America, more than just a wage slave
• - I want to train you how to play the credit game and how the rules work and how they bend
• - I want to get you back in the habit of building your reputation, one of the biggest lies the left constantly tries to get you to forget, reputation goes a long way and it's not about police and politics
• - I want you to be an American citizen, because it is the greatest country on earth and our credit system can take you from rags to riches, oh and that's over and over, plenty millionaires lose and gain millions daily
• - I want you to train you to ultimately build credit for yourself and then be a real adult and be in business for yourself
• - Once that final key is in place, I want to train you how to step into business with a small loan of million dollars 
• - Finally I want to teach you how to keep your wealth, and not feel guilty about it, and only donate when you feel you want to, with a nice tax strategy in place to do it.

Here's some rules, also, for the series

• - I will give you info to do this quickly:
• - a week
• - 30 days
• - 90 days

A lot of people think credit takes time, but some of it, takes 3 business days, or one billing cycle. It's really fast, so you gotta be ready to pull the trigger.

Also, ignore FAMOUS people, most of them aren't rich and even more have little to no credit. They're just talking, to stay famous. THIS IS A KEY RULE. Famous people are ignorant, uneducated, have ulterior motives, are told what to say and can be downright evil, telling you something that goes against what's best for YOU.

This is really key right now, because we have a new category or group: people who are famous, just for being famous. The internet is full of them. They have no education, no skills, haven't created anything, but people put them in front of you, hoping you'll listen to them.

There's even actors and singers who can't act and can't sing and are FAMOUS. The technicians, behind the scenes make the movies and make the songs. And they're someone's kid, that got the job, in the first place. Don't listen to those people.

Finally, I'm gonna show you something, as a real part of the series, a real strategy, of how to make you a millionaire for 60-90 days, for you to setup your long term credit and wealth. For all you people saying you ain't got no money. Shut up and listen. Also, for all you people saying you ain't got no time for this, you got time to sit around crying how broke you are, then you got time for this. In fact, this is faster.  You can go back to saying you broke after this. It'll be a lie though, but that's what you should do anyway. Don't do this series and then tell people you got any money. They might try to rob you.

But point them to this series.

From Bad Credit to Perfect Credit (VIDEO)

From Bad Credit to Perfect Credit (VIDEO)

credit score ratings

Listen to any Black comedian and  they'll joke that Black people have bad credit an white people have good credit, to the point that they have to trick family members to cosign to get their lights turned on.

While the jokes are funny, it highlights a real world thing, as comedy usually does. Poor people have a poor understanding of credit. Boom, ok, lesson is over. I'M JOKING. But, it's no joke, poor people have a poor understanding of credit.

In fact, what's really laughable, is how simple credit actually is, and to top it all off, how much it affects you.

Financial advisors will tell you, how perfect you have to be, to get a perfect credit score, but i'm here to tell you, with almost no income, you can have a perfect score. It's just a game, so let's play.

I'm about to tell you something none of the financial advisors will tell you. New creditors, don't care about old creditors. And, they forgive and forget. And, they're quick to do it.

What do creditors care about.

- you pay credit

- you pay on time

- you've paid debt for a long time

That's it.

Can you build credit with a bankruptcy or thousands in debt, bad credit? Yes. How? Make it look like you're a different person. Play the game and new creditors will literally assume, the old you, was just going through hard times.

In fact, they share info so much, they'll start offering you credit, if you switch up your credit habits.

How is the question, right?

Fake it.

What do i mean by fake it? Build credit, small scale, and they'll read into it, like you've done something big. The credit unions will report how wonderful you are with $20.

Let's start from the beginning.

No matter where you are financially right now, start small and build.

Get a secured credit card. You fork over $50 - $200 and they give you a credit card... not debit card, with a limit of how much you gave them. Here's what you do, put your cell phone bill on that credit card, on automatic pay. Something small, that you KNOW you will pay, every month. Then every month, on or before the due date, pay off that credit card.

I had a t-mobile phone, and my bill was $50 monthly. 6 months later, i got my deposit back on the secured card. 6 months after that, i got my credit limit raised. a year after that, it was raised again, to $1,000.

That's not that big of a deal, $1,000, but it made my credit score jump up. Because 2 things happened. I now had credit history, I had proof of payments, and my debt to credit ratio fell off a cliff. I went from owing $50 each month, compared to $100 credit limit, to $200, then $1,000. So at the end the $50 to $1,000 made me look like dadddy warbucks. 10 cool points if you comment who that is.

Here's part 2 of the game, because you just finished all 3 things I said creditors want. After you get your deposit back, now start opening up new credit cards. If someone offers you a card, with no annual fee, TAKE IT. More credit, means that debt to credit ratio will help it fall off a cliff even more.

Then, you can start getting sophisticated.

- open up a bank account and take out a loan, for $1,000. They know you can pay it off with your credit card. This gives you even more credit history.

- work your way up to an american express card, and repeat the putting your cell phone on it, and paying it off. Those you have to pay off each month.

So if we're keeping track at home, a year later, we have about 5 credit cards, a bank loan, we're pay on monthly, an american express card we have our cell phone on, we pay off monthly.  In 15 years you'll have a perfect credit score. I'm JOKING, it'll take about a year to 2 years. tops.

Right about now, you might be wondering, what can you do with a perfect credit score 

- refinance your house for white people mortgage rates

- refinance your car

- apply for government grants

- open up a business, with a business loan, with your perfect credit score

- get store credit cards

- get big box do it yourself tools and supplies credit cards at a contractor rate

A perfect score pops the cap off a lot of things in life, and you can do this, even if you have bad credit on your record. Now the experts will tell you to pay those off, but if you're at the 4 yr mark, and this what i'm telling you is going to take 2 years, that's 6 years, go ahead and ignore it. BUT if it's relatively brand new, when you get all those credit cards, call up the companies and ask to reduce it, like 10 cents on the dollar, So a $1,000 debt, you ask if they'll take $100. They will. Because by the time you're calling, it's a debt collecting company. They're happy to get anything. They paid probably 50 cents to take your debt. It's all profit for them.

And, that's no joke.

Any questions?

For Blacks: Be Your Own Boss

Starting Your Own Business

( Pictured below are all African Kings, most are very much alive. Wonder why you don't see them in the news? )

You will never get ahead being the employee of someone else.  Well, unless that is of course you work directly for Bill Gates or some situation like that.  However, I am fairly positive, noone who works for Bill Gates reads Shakaama Live.  I could be wrong, but being a perfect being, I know I am not wrong.  It stands to repeat in another way, en employee is someone that a person hires so that they do not have to work as hard to make THEIR money.  Let's put it another way.  You are making someone else wealthy by getting hired on to do a "job".  Understanding the dynamics of what a job is, is the beginning of understanding how the rich get richer.  Once you understand it, then you can turn around and do it yourself.

What is Trade?

The entire concept of the market place is based upon trade.  It is a simple concept, really.  I make cakes and you buy them from me.  You make shoes and I buy them from you.  It used to be that everyone used precious metals to trade with, once we did away with the bartering system.  But, gold and silver are in short supply in the world and the big greedy bankers came up with a fake money system [but that's a story for another time]  Long, corruption, story short, we now deal in currency and not precious metals.  So you give me money for my cakes and I give you money for your shoes.  We all come out fairly equal.

See what happun was...

Someone got the bright idea that instead of them physically standing there selling cakes, they could hire some lackey to stand there for them.  Then they went a step further.  They came up with the bright idea that instead of them baking the cake AND standing there selling them, they could hire one person to bake the cakes, and another person to sell the cakes.

Well with all this free time, they could then go open up a pie shop.  After the success of the cake shop, the pie shop was a breeze.  They didn't have to make a whole bunch of money off of each cake, because now they could buy all the ingredients from someone else and have their employees make them money.

Along came a thing called a revolution.  After the dust was settled and people didn't want to listen to kings and queens any more they wanted to own their own land.  See, before they didn't own their own land.  The duke or lord owned all the land.  Yeah so after that was over, people were supposed to own their own land.  Well, as luck would have it, the dukes and lords didn't take kindly to that and thought that perhaps they could just keep the land and charge people rent or sell them land.  People went for it, for some reason.  I don't know why.  I mean they did fight a revolution to get from under the very people they now agreed to give their money to.  Thus the landlord was born.  Instead of him being a duke or lord, he was now called a landlord.

The landlord gig is quite an impressive way to make money.  You basically have nearly nothing to do but collect money.  It's a fantastic way to sit back and make money.  I don't know why everyone doesn't do it.

Not to be outdone, the banks [yeah the corrupt ones] did not want to be put out of the game.  So they plotted to be the middle man between the landlord and the tenant / buyer.  They got the bright idea that they could ask the landlords to jack up land prices and then offer credit to the tenant / buyer.  The landlords, of course, loved the idea.  So they tripled land prices overnight and banks then advertised that they would offer credit to ... wealthy people.

Wait!  What?

Yeah, credit wasn't such a big hit for EVERYONE.  I mean, who in their right mind would lend money to a poor person.  It just doesn't make sense right?  So they gave credit out to all the wealthy people.  The whole idea of jacking up the price of land sort of backfired.  You see what they had wanted to do was get in between all the landlords and the buyers.  But, poor people were never offered credit like rich people.  Poor people still bought their land directly from the landowner.  For a couple of centuries then, poor people were immune from banks.  Banks didn't give credit to poor people and poor people were not at the mercy of horrible stories of banks coming for poor people.

See wha happun was...

Someone got the bright idea of giving poor people credit.  Why? Because poor people do not understand credit.  Credit, as it goes, is a fairly new concept anyway.  And, poor people were never historically given credit.  So, if you offer credit to a poor person, you can explain it however you want him to understand it.  The basics of the idea is that money is lent to a person just for having a good reputation.  That money lent is done so at interest.  The payback is the money lent plus the interest.  Well, there are a million ways to go about those 3 steps.

What's ridiculous is, being a landlord does not require a bank.  Yet, people think that it is the only way to be a landlord these days.  The old way of buying land directly from a landlord never "went away".  You simply have to remember that banks wanted to be included inside of that "trade".

His Majesty Otumfuo Osei Tutu II, king of the Asante people of Ghana

Now, what's a real tragedy is that landlords offered to rent properties to people.  So everyone fought in these revolutions to not be under dukes and lords and yet they turned right around and started renting the very land they fought for.  Selling off parcels of land is not such a bad idea.  You fight the revolution, and the land has to be distributed somehow right?  Buying it from the duke or lord is as good a system as any to distribute that land.  Renting land is just ... well it's just stupid really.

Let's fast forward to 2008 in the U.S..  Prices of homes fall to such a degree that people are going crazy.  But, wait, this is what the home values SHOULD have been.  So now you can buy a home directly from a landowner for about $500.00 / month.  Yeah the landowner carries the note and you PURCHASE the land, like everyone used to do.

Now, if you're smart, you'll buy a few homes yourself and rent out to people more stupid than you.

So, we got you hiring folks for a pie shop; hiring folk for a cake shop; and renting to idiots that don't know they can buy land from people directly.  If you're working for someone else, you are trading your time and energy for a fraction of the money you could be making.

Going to college and business school is simply making yourself a bigger target for getting a job to make someone else richer.  I am not advocating not getting an education, but I AM advocating not wasting your or your parents hard earned money and 4 years of your life JUST to make someone else richer for the rest of your life.  If you're going to spend money on college, it should be to get a business degree on how to START your own business.  It is time out for Black people to tell their OWN children to go to college to get a degree to get A JOB!!!  No other race tells their children this.  None.  Only Black people say this to their children.  It is a shame and a tragedy.

Think for one second.  You tell your kid to pay for college and then spend time there just so he can get a damn job working for someone else, for the rest of their life.  Are you really that stupid?  That is not how to GET AHEAD.  You want your children to get ahead of you don't you?  If you don't you shouldn't be a parent.  You should shoot yourself in the head before you have kids and bring the rest of us down.

I'm just sayin *laugh*  [ I do not condone suicide ]

This is how you can be your own boss.

Any questions?

Please visit my legal website: Nevada DUI Attorneys
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Labor Day and the Great Depression II

Don't Shop on Labor Day

Office Closed for Labor Day

If you've been under a rock this past 50 years, the economy has been hijacked by businesses.  Now I know a few of you are saying, the economy IS businesses.  That is not true.  The economy is supposed to be private transactions between honest folks - consumption; the supplying of goods - distribution; and the manufacturing of goods, labor and services - production.  Everyone seems to think that consumption is the ONLY part of the 3 part equation to look at.

The Consumer

Since the 50's the news, media and infotainment outlets have slowly, but surely changed economic reports from talking about the economy - consumption, production, distribution - to just about consumption.  In fact Americans have been slowly renamed, "the consumer".  In fact we have been so renamed that we have been pressured to act accordingly.  You are the consumer.  You are 100% of this economy.  You have not been doing your job.

George Bush makes a stupid speech after we blew up the World Trade Center, not to buckle down, save and get our economy healthy again, but to "go out and shop."   That has to be the most ridiculous assertion in the history of ridiculous assertions.  Of course he was not speaking from a benevolent leader's standpoint, he was speaking from the standpoint of one who is completely controlled by business.

By changing the vernacular of how the economy is viewed, businesses can create shopper drones in all of us.  Instead of worrying if our economy is actually growing, i.e. production plus distribution and consumption, we are concerned only with consumption.  If consumption is down, businesses put out the message that WE are not doing our duty as "the consumer".  In fact, we now add government jobs as a part of the economy.

Why Government Jobs Shouldn't Be Added in the Economic Equation

Labor Day Sucks on Unemployment

So far I've said that the economy is production, distribution and consumption.  I've hinted that government jobs should not be factored into that equation.  Some of you probably are already saying that government jobs and actions are so huge that it would be crazy not to include it in the economy.

The very idea that the government is so large and allegedly takes up a majority of the economy is preposterous to begin with.  The government shouldn't be so large as to even factor into the economy.  There are 308 million regular Americans.  There should be no way that the government dwarfs regular jobs to such a degree that we cannot avoid factoring in government jobs, to reach an adequate accounting of the economy.

Why am I so adamant about not factoring in the government into the economy?  Simply put, the government produces nothing of its own.  A normal American can buy land, plant crops, have someone deliver them to the stores and people eat the food.  The government cannot do any of that.  They have absolutely no money of their own.  We are made to think that they do, but that is not the case.  If we come to believe the government produces its own goods and services and does not rely on taxes, then businesses, who are in bed with government, can win this war of mind control of "the consumer".  They can make us all feel like this government, which is bursting at the seems, is necessary and should be observed, but only through the lens that they supply us with.

Labor Day Consumer and The Second Depression

Many are refusing to say the "D" word, depression.  Oh, infotainment news outlets will readily say "we are in a recession," but they will never say we are in a depression.  Why the charade?  They think that if they say the word depression, old timers will come out in droves and tell everyone to stop being bone heads and stop spending their money.  They think that if Americans were told the truth they would cease to be consumers and start being adults.  They are afraid that everyone would wake up to the reality that we are screwed 6 ways till Sunday, and Sunday is no guarantee of relief.

Businesses are hedging their bets and pulling out the stops to make sure all the commercials and infotainment news gets out the word to consume, consume, consume.  Labor Day is supposed to ring in the "shopping season".  Yes, not only are we consumers, but now we have a shopping season.

Happy Labor Day, Take the Day Off

Stop the madness!  Wake up!  We are not mindless shopper drones.  Instead of spending money, this economy cannot afford to be spent, save your money on Labor Day.  We need every American to stop spending needless money.  We need to go back to a creditor nation, instead of being a debtor nation.  We are literally beggars in the richest country on the planet.  We need to stop buying cheap Chinese or Asian crap and build up our savings.  We are in a depression, not a recession.  House prices are in free fall.  Gas prices are skyrocketing, food prices are soaring, car sales are in the dumps, parts of the country are jobless.  If these aren't enough to wake you up, I don't know what else could.  There are parts of the country where 1 in 3 people are out of work.  You sit in front of the news and expect to hear this?  Never!  They are not going to "report" this.  We are being sold down the river by business and the government.  Noone in power is safeguarding the real economy.

We've pissed away manufacturing.  We've pissed away production.  We've pissed away innovation.  We've even made it illegal in some parts of the nation to care for ourselves, i.e. take care of the poor on our own.  You think that's because it's safer to have the government do it.  No, it's designed that way, to eventually get everyone to rely on the government.  First it was the poor, and now it's the jobless.  Remember and realize that people making $50,000 a year are on unemployment.  Not everyone who is jobless worked at McDonald's.  Real people with real jobs are down for the count.

Instead of taking your hard earned cash and giving it away, you need to carry it to your local credit union and put it into a savings account.  And don't listen to those sheisters who talk about bad return on interest, you were going to give that money away to begin with.  We only need 10% of the population to start saving, and i mean really saving, to turn this economy around.  Yes, if 30 million Americans would stop using their credit card, debit card, and put the money into savings and ate at home, we'd be out of this slump in a year.  But, we'd need to keep doing this always.

If 10% of the population returned to being responsible creditors our economy would change.  At first it would be painful, but what we have right now is UNSUSTAINABLE.  We cannot continue to be mindless shopper drones and not fall off a cliff.  At some point, some of us have to actually be the adult and go to work on Monday and put away some money for our "nest egg".

Please visit my legal website: DUI Las Vegas
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