Studies show the number one reason Americans don’t build wealth is car payments, low interest or not that’s what it says.

As a US citizen, you technically own the White House because it is a public asset and owned by the American people and stewarded by the US government.

Prop #2 on Student Loan DebtShould everyone in Texas have the right to refinance student loan debt with the Federal Reserve at a 0% interest rate, as relief for the crushing burden of debt and an investment in the next generation of Americans?

At least in my experience with many across the country including those members of the American Association of Private Lenders, of which I am one.

If I am wrong and inflation spikes, you want to load your portfolio with index linked government bonds (also known as TIPS for our American readers), gold and other commodities, commodity related stocks as well as property.If deflation prevails, all you have to do is to look towards Japan and see what has done well over the past 20 years.

Dan Sater in Bonita Springs designed "The 2008 New American Home" that our company built for last years International Builders Show in Orlando.

Not saying that you are a theif because you did, and now you have a BMW that you did not work for and now you paid off all of your credit cards, because you did not make your house payment, and no housing expense at all, and you feel justified because, maybe you are just a HS graduated and Obama and Acorn will find a way for you to avoid tax and take advantage of Americans that actually work 60-80 hrs a week and never ripped off the system and...

Every day americans lose sleep over problems they think are beyond help.

But it might shield against the next lending excess.PS: Ronnie McDonald was the finest role model for the lend and spend mentality that has gripped the american nation.

In addition, with gas at $4 per gallon and food price inflation skyrocketing, the American public is on the verge of financial disaster.