I believe the current Congress will be the most dysfunctional body of the modern era. Kicking the can down the road is no longer a viable option (not that they won’t try).

There’s no magic bullet or easy solutions. It took decades to get to this point, and I believe it will take a whole generation of payback to at least make it “manageable” again.

Now, more than ever, prudent planning and honest advice (no matter how hard to swallow) is badly needed.

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