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?

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.

I sense a general hostility toward Christianity among the literary and media establishments in our country. There is a tendency to keep Christian thinking out of the mainstream, to marginalize it and make it look like a product of 'fringe' groups.

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.

When President Clinton starts talking about what is moral, as he did when recommending a national law banning human cloning, it's time for us to lock up our daughters.

It is now possible to live a "christian life" without doing the things that Jesus commanded us to do. We have hired people to go into all the world, to visit those in prison, to feed the hungry, to clothe the naked, to care for widows and orphans. The average Christian doesn't have to do it.

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