A word from Dave Ramsey

YOU Fix You:

What it takes for us all to overcome the crazy economy
By and large, 70% to 90% of you wanted something to be done to calm the economy, but you didn't want $700 billion in new debt to bail out Wall Street. The stock market has had record declines since then. What's going on?

You need to remember that you need to take control of your life.

It's disturbing that people in government totally disregard what their constituents tell them to do. It's disturbing that the market goes down and the media panics about this. It's disturbing that greedy banks made horrible, high-interest loans to people who couldn't afford to repay, and broke people signed up for the loan and cried when they couldn't afford it - like someone did something to them. It's disturbing that arrogant people in Washington ignore their constituents and takes huge strides toward socialism.

All of these things are disturbing, but none will cause this great nation to cease to function. None of these things are the seeds to the beginning of the end. You're okay. We're going to be fine.

But the most disturbing thing is some people's reactions.

Don't react based on fear or panic. Another negative reaction is that you are looking to Washington to fix your problems. Why would you do that? They have never fixed your problems, and you want Obama or McCain to fix things. That's ridiculous; there has never been a president who can fix your problems. They always say they can and they never can.

At what point did Bill Clinton fix any of your problems? At what point did he cause you to prosper? At what point did George Bush end your career or cause you to prosper? When did Ronald Reagan fix your problems?

When you look to Washington to solve your problems, we've got the seeds to destroy this country. It's time for YOU to change YOUR life.

There was a sweet 43-year-old lady making $15,000 a year who called me asking what Congress was going to do to help her. My answer to her was "Nothing. It's not their job. It's your job to read a book or take a class to get better so you can make more. Why have you accepted this as your lot in life? Why are you sitting around waiting on Congress or president to fix your life?"

It's not Washington's job to fix what's going on with you. If you are waiting on Washington to change something, you've got a long freakin' wait! It is YOUR job to take care of you. Don't sit around and watch TV and panic and think you can't do anything. I've made and lost money, and every bit of that had to do with me being smart and diligent or stupid.

Quit blaming Congress or looking to them to fix you. YOU have to fix you! When you wait on the government to fix your life and wait for money to be taken from others and given to you, that's a spirit of envy, and it's wrong. The only system that works is capitalism functioning under moral restraint.

Get some moral restraint, become a capitalist, and go be somebody!