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We find the Heritage study useful, both to refute other presidential candidate’s claims that governmental coercion will make us richer economically, and also to help us find those countries where investment actually would make us richer.

Each year since 1994 the Heritage Foundation has used a systematic, empirical measurement of economic freedom in countries throughout the world.

The amount of money involved in foreign aid is often large enough to politicize the economic life of a small country and lead to massive graft, corruption, and waste.

All systems must have a regulator in order to dampen runaway reactions. Healthcare coverage is no exception.

Here is a rule for building stable economic systems: Who pays for a service and who is empowered to decide if a service should be given and who actually benefits from the service should all be the same person.

When you make a frivolous purchase, tell your spouse that you made it. If you can’t tell your spouse about the purchase, it isn’t worth the trouble. Above all, learn to work together in marriage. Being wealthy requires a husband and wife to both be frugal.

Some types of insurance are a good idea. But LTCI is better handled by preparing early in life.

The real lifestyles of the rich in Charlottesville would get very low television ratings.

I will give you the forecast for the next TEN years in the US Markets: Up, Down, Up, Up, Down, Up, Down, Up, Up, Up. These predictions are not in chronological order.

We can have our benefits and lower taxes if we are willing to admit that socializing retirement benefits was a mistake and we return to trusting once again, the in power of free markets.

Keeping a budget works like a diet. Some diets require you to write down everything you eat and count calories, shares, ranking, or other food units. It makes eating more painful, causing you to eat less.

One of my favorite Christmas movies is the version of “A Christmas Carol” starring George C. Scott as Ebenezer Scrooge. I confess that I understand Scrooge’s character.

Admit your past debt mistakes readily. Like a former alcoholic you must be constantly vigilant against slipping up again.

You bought more things than you can pay for. That is an error in judgment. Given the evil in the world, your small financial troubles aren’t that bad.

Only after you have steeled your resolve not to borrow any more money are you ready to deal with paying off your current debt.