A guy goes to his wife with a business idea. He has had them before, and his use of their savings has taken the couple's net worth to below zero when the debts that he has incurred are factored in. The thing is, he believes that this business will be different. This is the one that will turn things around for them. A bit skeptical, the wife hears the husband out. At length, the husband finishes his 'pitch'. Still skeptical, the wife tells him that while she would love to help him give this new business a try, they are out of money, and are obliged to start paying down debts at this point. Relieved at being able to blame their situation for the denial as opposed to her skepticism, the wife tries to move the conversation to a different topic. When the husband hits upon an idea.<p>They still have a sizable sum of money in the kid's college fund!!! Just enough to get him started!!!<p>----<p>People we are broke. I would suggest everyone accommodate themselves to the new fiscal realities coagulating around us. To continue to spend in the hopes that some future generation will pick up the bill is morally unconscionable. It is also contrary to our self interests by the way. As it is highly likely that the most damaging consequences of our financial mismanagement will develop in a more immediate time frame. That is, it is likely that you only THINK your kids will be the ones saddled with the consequences. In our current situation, it is far more probable that you will.<p>If a business enterprise requires government assistance to make it economically feasible then alarm bells should be going off in our heads with regard to the economic efficiency of that enterprise.