I realize what it means to be financially comfortable, and I want to be that. But I'm lucky enough to be in that position. And I'm also careful. I save 38 percent of my earnings after expenses, before taxes.
Too many American families go bankrupt from healthcare expenses, and low wage workers have to hold two or three jobs just to make ends meet, which leaves many young children without any hope of having a pre-K education - the most important start to a good education and a path out of poverty.
We don't need new laws that can be used by organizations with deep pockets and the ability to deduct legal expenses as a cost of doing business to intimidate individuals or organizations that voice legitimate concerns.
Any politician that says no tax revenue or zero spending cuts does not deserve reelection. Our hole is so deep in this country with the debt and the debt service, the interest on that debt, before the big expenses come for Social Security and Medicare - for we baby boomers in a few years - that everything has to be on the table.
Let's not kid ourselves about just how cheap offshore labor really is. We not only pay substantially less per hour: we also avoid the costs we would incur if these workers immigrated here. We don't pay for their medical expenses when they show up in the emergency room without insurance.
The expenses of complying with Washington's torrent of mandates and regulatory overreach are costing American workers jobs and income growth.
Even a healthy economy and labor market would have struggled under the additional expenses enacted and proposed in 2009 and 2010 - from healthcare mandates and higher taxes, to carbon cap-and-trade and delay in extending the last decade's tax reforms.