Credit Scoring Expert speaks candidly about his personal growth and asks respected writers to share content to help others improve their life.

I’m hearing over and over, “the economy is recovering, the economy is recovering!” Ben Bernanke said last week that he expects our recovery to come this year and of course our politicians are saying its “right around the corner.” Let me ask you a question: In your world, who is spending more money today than they were a year ago? This is the fundamental problem that we are faced with. 70% of our economy is based on people buying things. For our economy to recover, the government needs people to buy bigger cars, changing their IPods, new homes, etc. etc., thus the lower rates and rebate checks from the government. The problem is that spending money got us into this problem, and the government wants us to spend more to get us out of the problem… BUT… nobody is spending! In my world, conversation after conversation is about saving more, not spending more. Are we really going to get out of the woods this way?