If you follow a guide into a jungle, and he gets you lost, are you going to keep following him? Or at some point, does logic tell you to just look up at the sun and figure out which way is west and just keep going in that direction?

The guides are now telling us how to get out of the jungle they got us lost in. They're telling us to spend money, not to save it; they're telling us to borrow more and not pay it back; they're telling us to create deficits at the expense of our children's standard of living.

Please keep one thing in mind as our politicians come up with their "solutions": The government cannot create wealth; they can only transfer it. So when the government "injects capital" or "lends money" to a company, they are transferring that money from somewhere. They get it from people who can never complain because they can't vote as yet: Our children.

Minyans looked up at the sun early on, saved their money,, and paid off debt where they could. But Minyans are still a part of the system; we must sit and watch our "guides" spend our kids' money into oblivion.

And here's the lesson of today: We're all a part of the system. We will all be worse off over the next few years than before. Get used to it.

But you can protect your family better than the rest by just staying the course. Don't try to pick the bottom of the stock market with your last few free dollars; instead, pay down your mortgage. Look at it this way: If your mortgage rate is 6.3% and you pay it off, it's like investing money at 4% after-tax, and risk free (when you pay off a debt it's like investing risk free). Save your money for things you want, instead of borrowing.

In essence, go in the opposite direction from where our guides are telling us to go.

Risk is very high.