Some of us learn to manage money efficiently later than others. Some of us learn how to spend more efficiently when we figure out how to look at what is around us and realize much of it is luxury and unnecessary. The Congress passed bailout bills this week, a period in which people cast a wild gaze around and wondered what in their present lifestyle was going to have to go. That "credit bailout" bill was a way for the consumer habits of Americans to keep going as before. Keep borrowing, keep spending.

Most everyone will forget, this will be a memory like an almost forgotten dream. The smart ones will learn from it and try to fix things, but I predict that they will be outnumbered, that the majority will move to go along as before.

SRS