This one is vital.
We are drunk on credit as a nation, and as a people.
#4 See Frugality as a virtue.
This is a virtue that has not been taught for forty years or so. It gradually disappeared from all but a few older Americans that had experienced hardship during the dust bowl days and the time great depression.
We are to blame for not teaching these character skills to the youth.
We gladly jumped aboard the materialism train, and never looked back.
Big mistake. People are molded by their culture and their experiences.
It is almost as if it is in their DNA to spend, spend, buy, buy keep wanting more, more. It is never enough.
Our government has endlessly contributed to this process ... from Franklin D. Roosevelt to Lyndon B. Johnson, to Bill Clinton, To George W. Bush ... and coming now the biggest spender of all Obama.
God help us.
New years resolution: hope less for the best and prepare for the worst!