Emily: Thank you for weighing in. You are very right about the government’s advice throughout this whole economic downtown. From giving us an “economic stimulus” and then telling us to spend it, to trying to ensure that the credit market remains intact so that we can increase our debt-based consumer spending, the government’s advice has been faulty on a personal finance level.

The government is telling us to do the opposite of good financial advice. They are telling us to borrow and spend to keep the economy stable.

Stable for who! The big shopping companies that wiped out the mom and pop shops, the banks that make money off of the interest they charge us for borrowing, the companies with overpriced stocks, the home builders with overpriced homes.

What about the poor who have no money at all? What about the middle-class who really have nothing because everything they have really belong to the banks and credit card companies thanks to living by the advice of the banks and government?

When are people going to open their eyes and see who are really pulling the strings of our elected government officials?