Government has a legitimate function, but the private sector has one too, and it is superior. In other words, people are better than institutions.

It's time to resist efforts of the American Civil Liberties Union who have conducted a religious lobotomy on this country, seeking to strip it of any vestige of religious influence.

My financial adviser Ric Edelman...thinks the time to start educating people about money is when they are children. He's set up a retirement plan called the RIC-E-Trust that can provide retirement security. A $5,000 one-time tax-deferred investment at birth, with an average interest rate of ten percent compounded, means that a child would have $2.4 million when he or she is 65 years old. Who needs Social Security with that kind of nest egg?

Government has a legitimate function, but the private sector has one too, and it is superior. In other words, people are better than institutions.

When the Forbidden Fruit was handed to Adam and Eve, they were allowed the moral choice to accept or decline. I know people who have refused to feast on the money tree. They live simply, within their means, and seem far more content than those who are trying to horde their wealth while clinging to the ladder of 'success,' terrified to let go. That isn't real living. The Puritans rightly saw that as covetousness.

In a free society, government reflects the soul of its people. If people want change at the top, they will have to live in different ways. Our major social problems are not the cause of our decadence. They are a reflection of it.

As with most things governmental, failure does not mean having to try something else. It means spending more money.