I am so sick of hearing about the government potentially pouring billions of dollars into the economy to bail out flailing companies and banks. Because the companies swirling in dark pools are entirely to blame for the mess they’re in right now.

Whose bright idea was it to give mortgages to people who can’t afford to make the minimum payments? Who came up with the notion of preying on elderly citizens whose homes had been paid off just to give them cash in hand? And why hasn’t someone at some point stepped up to the plate on health care for all?

I know many of you don’t like Sarah Palin, but the best thing she has said in recent months was during the VP debate – and that is, that we are ALL to blame for the predicament we’re in.

How many of us are guilty of buying things for which we did not have cash on hand? How many of us are squirreling away money every month? How many Americans live within their means with money left to spare?

The numbers are low, if they exist at all.

Because we are smack in the middle of a please-me-now society where the bar rises higher each day and people can’t imagine life without a 52-inch TV.

My parents taught me to work for what I have and to take care of myself. That was one reason my marriage failed – my ex didn’t receive the same hard-earned lesson.

Starting in ninth grade, I worked part-time jobs – Dunkin’ Donuts, Fitnesse, Lois Gross Dry Cleaners and Kerby’s Koney Island. Yep, I wore burgundy polyester with the best of them.

I haven’t always been great about saving, though. I get the retail therapy itch just like everyone else.

And still. I can see my parents’ old bedroom from 25 years ago, when Northwest Airlines first issued its WorldPerks Visa card. It was the first time my parents used a credit card and to make sure they didn’t spend more than they had, my mother wrote a check to Visa for every purchase made on that card. In her top dresser drawer she kept a small white envelope stuffed full with checks that she’d send off when the statement came due.

At my daughter’s fifth birthday party, my ex pulled my aside and whispered, “Who’s paying for this party? You or your parents?”

I squinted my eyes in disbelief. “I pay for my children,” I said.

I’m 37 years old. I’ve chosen to build a certain life for myself and I have the sole responsibility of ensuring all the bills are paid.

Why should the government bail out stupid companies and greedy CEOs? Couldn’t we all use a little help to get through tough times?

It’s time Americans started dealing with the consequences of their decisions. All of us. And fast.

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