Most joes and jills who read this blog have a good head on their shoulders. But I know there are quite a few others who are breaking out the party hats because they think a big tax cut is coming their way from the stiffsuits in DC, see?

According to the newsboys, Bush is breaking out a package to get the economy rolling again. That means a few might get some cash. What I'm worried about is something else ... some people out there think that Washington is gonna solve their problems.

Let me clue you in, baby. If you've got too much debt and you ain't doing anything to fix it, then getting a few hundred bucks from a tax cut won't do jack to help you get out of debt. If you don't change the bad habits that got you into the hole in the first place, you'll be no better off in a few weeks than you are right now.

I'll say it again. Debt free is up to you. Make it happen instead of waiting for it to happen. Get going, bub.