Orrin- In regards to this article, I would love to hear your opinion of the new economic stimulus package the government is talking about. On one hand it is giving money back to the people...but really won't it just come back from us anyways because the government is not "cutting" anything to give back the reported $145 billion? To me, and please correct me if I'm wrong...it sounds like my wife and I taking our budget and saying, hmm we would really love to help the family down the street, lets take 1% of our yearly gross and give it to them. While it may be nice and fun and even good to do, if we don't adjust our budget by cutting from another area it really is just setting us back more. Am I correct in this thinking? Also, in regards to the economic stimulus package the government is planning on everyone spending their $800 or whatever it turns out to be...what would happen (I know its really far fetched) if everyone just paid off debt, or immediately stuck it into their retirement or emergency funds? As our leadership communities grow, we will be consulted on what to do with these funds, and I am imagining hundreds of thousands of people making their situations better by making the right choice with this situation.