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	<title>Comments on: (Not) Keeping Up With Our Parents: Where Do We Go From Here?</title>
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	<description>Live more.  Spend less.</description>
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		<title>By: Melissa North</title>
		<link>http://beingfrugal.net/2008/06/23/middle-class-financial-squeeze/comment-page-1/#comment-9681</link>
		<dc:creator>Melissa North</dc:creator>
		<pubDate>Tue, 01 Jul 2008 09:41:10 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=803#comment-9681</guid>
		<description>I just stumbled on your blog and am really enjoying it.  I don&#039;t want to get too political but I think some of the other comments made on here have been pretty valid.  I think in an ideal situation where rich people really are providing jobs for other Americans and fueling national economy (as well as maybe doing some philanthropic work) is great, I don&#039;t think that&#039;s the reality.  The truth is the richest of the 1% outsource their jobs to countries where there is no real welfare standard to make the most profit.  I&#039;m not sure if it&#039;s fair that many big businesses exploit people who are not protected by welfare laws or minimum wage at the expense of having less jobs for Americans and not willing improving services for the other 99%.  But I agree, the government doesn&#039;t usually handle socialised programs very well, but I find it hard to give a good reason why the lowest 1% don&#039;t deserve basic things like good education and healthcare.</description>
		<content:encoded><![CDATA[<p>I just stumbled on your blog and am really enjoying it.  I don&#8217;t want to get too political but I think some of the other comments made on here have been pretty valid.  I think in an ideal situation where rich people really are providing jobs for other Americans and fueling national economy (as well as maybe doing some philanthropic work) is great, I don&#8217;t think that&#8217;s the reality.  The truth is the richest of the 1% outsource their jobs to countries where there is no real welfare standard to make the most profit.  I&#8217;m not sure if it&#8217;s fair that many big businesses exploit people who are not protected by welfare laws or minimum wage at the expense of having less jobs for Americans and not willing improving services for the other 99%.  But I agree, the government doesn&#8217;t usually handle socialised programs very well, but I find it hard to give a good reason why the lowest 1% don&#8217;t deserve basic things like good education and healthcare.</p>
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		<title>By: MITBeta @ Don't Feed The Alligators</title>
		<link>http://beingfrugal.net/2008/06/23/middle-class-financial-squeeze/comment-page-1/#comment-9503</link>
		<dc:creator>MITBeta @ Don't Feed The Alligators</dc:creator>
		<pubDate>Sat, 28 Jun 2008 11:03:33 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=803#comment-9503</guid>
		<description>Lynnae: The rich don&#039;t exist to provide jobs for the non-rich.  I had this discussion with my boss a while back.  Business owners are constantly wondering how to be more profitable, which often means doing more with less.  They don&#039;t look for ways to employ more people, they look for ways to employ less.  

You also seem to forget that those who are &quot;good at business&quot; are so at the expense of you and I.  So there is certainly an argument that they should do perhaps a bit more than their fair share.

Fair share: someone else provided the link to Warren Buffet&#039;s challenge.  The wikipedia link you provided indicates quite clearly at the top of the list that: &quot;It is not intended to represent the true tax burden&quot;.  Buffet, being among the richest men in the world, pays a mere 17% in taxes.  So nobody is asking the rich to pay 60%, but 20% might be nice considering how many of us are paying a true 25%-40% in taxes.

By definition, most people are never going to be in the top 1%, let alone 0.01% of earners, yet most people defend low taxes for the rich because they do believe they will be in the top 1% (in the same way that we all believe ourselves to be above average drivers...)

The reason that Social Security is &quot;improperly managed&quot; is that Americans are not willing to make any of the few simple steps that would make the program solvent indefinitely.  Don&#039;t blame the government because you are unwilling to get your fair share (raise taxes or lower benefits compared to former generations...).

Check out the book &quot;Nudge&quot; when you have a chance.  The subtitle is &quot;Libertarian Paternalism&quot;.  We can&#039;t all be expected to be experts on such diverse topics as health care, retirement, insurance, breakfast cereals, etc -- and neither can our elected representative.  But, I think that we could accomplish a lot in this country simply by properly incentivizing and educating the less sophisticated.  One great example of this is automatic enrollment in 401(k) plans.  You can opt out any time, but few people do.  We need more ideas like this rather than giving people too many choices and offering them no guidance for what makes a good decision.  This kind of libertarian paternalism is a great way to promote personal responsibility.</description>
		<content:encoded><![CDATA[<p>Lynnae: The rich don&#8217;t exist to provide jobs for the non-rich.  I had this discussion with my boss a while back.  Business owners are constantly wondering how to be more profitable, which often means doing more with less.  They don&#8217;t look for ways to employ more people, they look for ways to employ less.  </p>
<p>You also seem to forget that those who are &#8220;good at business&#8221; are so at the expense of you and I.  So there is certainly an argument that they should do perhaps a bit more than their fair share.</p>
<p>Fair share: someone else provided the link to Warren Buffet&#8217;s challenge.  The wikipedia link you provided indicates quite clearly at the top of the list that: &#8220;It is not intended to represent the true tax burden&#8221;.  Buffet, being among the richest men in the world, pays a mere 17% in taxes.  So nobody is asking the rich to pay 60%, but 20% might be nice considering how many of us are paying a true 25%-40% in taxes.</p>
<p>By definition, most people are never going to be in the top 1%, let alone 0.01% of earners, yet most people defend low taxes for the rich because they do believe they will be in the top 1% (in the same way that we all believe ourselves to be above average drivers&#8230;)</p>
<p>The reason that Social Security is &#8220;improperly managed&#8221; is that Americans are not willing to make any of the few simple steps that would make the program solvent indefinitely.  Don&#8217;t blame the government because you are unwilling to get your fair share (raise taxes or lower benefits compared to former generations&#8230;).</p>
<p>Check out the book &#8220;Nudge&#8221; when you have a chance.  The subtitle is &#8220;Libertarian Paternalism&#8221;.  We can&#8217;t all be expected to be experts on such diverse topics as health care, retirement, insurance, breakfast cereals, etc &#8212; and neither can our elected representative.  But, I think that we could accomplish a lot in this country simply by properly incentivizing and educating the less sophisticated.  One great example of this is automatic enrollment in 401(k) plans.  You can opt out any time, but few people do.  We need more ideas like this rather than giving people too many choices and offering them no guidance for what makes a good decision.  This kind of libertarian paternalism is a great way to promote personal responsibility.</p>
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		<title>By: Jan</title>
		<link>http://beingfrugal.net/2008/06/23/middle-class-financial-squeeze/comment-page-1/#comment-9408</link>
		<dc:creator>Jan</dc:creator>
		<pubDate>Tue, 24 Jun 2008 20:38:40 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=803#comment-9408</guid>
		<description>Quoting Looby: I’m really not sure that I get the military argument- Finnish, Swedish and Canadian forces are all in Afghanistan too

I was going to mention that as well.  I think it&#039;s easy to forget all the other countries that are fighting alongside troops - here in Canada, the media only really report casualties of Canadian soldiers.  But it&#039;s important to remember that there are many, many countries fighting in the war, including those listed above.</description>
		<content:encoded><![CDATA[<p>Quoting Looby: I’m really not sure that I get the military argument- Finnish, Swedish and Canadian forces are all in Afghanistan too</p>
<p>I was going to mention that as well.  I think it&#8217;s easy to forget all the other countries that are fighting alongside troops &#8211; here in Canada, the media only really report casualties of Canadian soldiers.  But it&#8217;s important to remember that there are many, many countries fighting in the war, including those listed above.</p>
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		<title>By: Pete</title>
		<link>http://beingfrugal.net/2008/06/23/middle-class-financial-squeeze/comment-page-1/#comment-9404</link>
		<dc:creator>Pete</dc:creator>
		<pubDate>Tue, 24 Jun 2008 16:23:11 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=803#comment-9404</guid>
		<description>I have to agree with you Lynnae, I can&#039;t jump on the bandwagon with so many that think that we need to tax the rich into oblivion, and pay for all sorts of government programs and subsidies. 

The government has never been good at managing these types of programs, and they never will.  I would prefer to have private organizations/faith based organizations and other private individuals helping people in need.  Universal Health Care and other social programs only lead to waste, sub-standard care and tons of other problems.

The rich are already  paying a lopsided portion of the taxes, and they don&#039;t need to be paying more. We need to cut wasteful spending in our government, and look at ways we can better utilize the money that we collect already.</description>
		<content:encoded><![CDATA[<p>I have to agree with you Lynnae, I can&#8217;t jump on the bandwagon with so many that think that we need to tax the rich into oblivion, and pay for all sorts of government programs and subsidies. </p>
<p>The government has never been good at managing these types of programs, and they never will.  I would prefer to have private organizations/faith based organizations and other private individuals helping people in need.  Universal Health Care and other social programs only lead to waste, sub-standard care and tons of other problems.</p>
<p>The rich are already  paying a lopsided portion of the taxes, and they don&#8217;t need to be paying more. We need to cut wasteful spending in our government, and look at ways we can better utilize the money that we collect already.</p>
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		<title>By: Lynnae</title>
		<link>http://beingfrugal.net/2008/06/23/middle-class-financial-squeeze/comment-page-1/#comment-9395</link>
		<dc:creator>Lynnae</dc:creator>
		<pubDate>Mon, 23 Jun 2008 23:01:04 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=803#comment-9395</guid>
		<description>@Shana - You nailed it with your last statement.  It&#039;s painfully obvious that the government is inefficient at managing the things they&#039;re already in charge of.  Why would we want to trust them with more?</description>
		<content:encoded><![CDATA[<p>@Shana &#8211; You nailed it with your last statement.  It&#8217;s painfully obvious that the government is inefficient at managing the things they&#8217;re already in charge of.  Why would we want to trust them with more?</p>
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		<title>By: Shana</title>
		<link>http://beingfrugal.net/2008/06/23/middle-class-financial-squeeze/comment-page-1/#comment-9393</link>
		<dc:creator>Shana</dc:creator>
		<pubDate>Mon, 23 Jun 2008 22:49:07 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=803#comment-9393</guid>
		<description>A few points: while various European income tax rates might look favorable to some, also look at the VAT (aka sales tax) they pay. It&#039;s a huge amount. The French, for example, pay up to 60% in combination income and VAT. 60%! That is the price of socializing. Are Americans willing to pay that for universal health care, extended maternity leaves and free daycare? I&#039;m not. I&#039;d rather have the right and option to choose for myself, instead of having the government dictate these things to me. Having these things socialized makes everyone pay for what not everyone is using. Would I, as a woman who does not plan to have children, get a tax credit for not using those programs? Parents currently get tax credits because of their cost to raise children. What about a credit for me *not* bringing someone into an overpopulated world and further draining world resources? Sure, it costs money to raise a child -- and people have a choice about whether or not they have children. If they can&#039;t afford children, they shouldn&#039;t have them. Period.  

Regarding universal health care: I&#039;ve heard too many stories of people having to wait and wait to get surgeries, and of others just buying private insurance so they don&#039;t have to wait. My impression is that public hospitals dealing in socialized medicine are underfunded and overworked. When I was travelling, I went to a hospital in Scotland because I wanted some x-rays done (and I was willing to pay), and I waited nearly three hours, had a doctor condescingly talk to me for 2-3 minutes and refuse to x-ray my ankle, and then just walk away from me. How is that a better alternative? I clearly had a problem with my ankle, and the doctor did absolutely nothing useful. The doctor was harried, clearly overworked, and clearly had no capacity/interest to manage everyone that she had to see. Based on that experience and what I&#039;ve heard, I just can&#039;t back this kind of plan. If it takes paying for private insurance in a country with socialized medicine, how is that a better deal? 

As to Iraq, I&#039;m in the camp that says we never should&#039;ve gone there in the first place. WMD? Yeah, categorically proven *they never existed.* Bush made a political maneuver that has done nothing except get military and innocent Iraqis killed, and rob Americans of billions of dollars that could be doing something useful for America. 

If the US government can&#039;t do something as simple as manage social security in a way that guarantees it will be around in 30 years, why should they be in charge of other &#039;care for the masses&#039; programs? I have little confidence the government can (or even wants to) care for me as it is now.</description>
		<content:encoded><![CDATA[<p>A few points: while various European income tax rates might look favorable to some, also look at the VAT (aka sales tax) they pay. It&#8217;s a huge amount. The French, for example, pay up to 60% in combination income and VAT. 60%! That is the price of socializing. Are Americans willing to pay that for universal health care, extended maternity leaves and free daycare? I&#8217;m not. I&#8217;d rather have the right and option to choose for myself, instead of having the government dictate these things to me. Having these things socialized makes everyone pay for what not everyone is using. Would I, as a woman who does not plan to have children, get a tax credit for not using those programs? Parents currently get tax credits because of their cost to raise children. What about a credit for me *not* bringing someone into an overpopulated world and further draining world resources? Sure, it costs money to raise a child &#8212; and people have a choice about whether or not they have children. If they can&#8217;t afford children, they shouldn&#8217;t have them. Period.  </p>
<p>Regarding universal health care: I&#8217;ve heard too many stories of people having to wait and wait to get surgeries, and of others just buying private insurance so they don&#8217;t have to wait. My impression is that public hospitals dealing in socialized medicine are underfunded and overworked. When I was travelling, I went to a hospital in Scotland because I wanted some x-rays done (and I was willing to pay), and I waited nearly three hours, had a doctor condescingly talk to me for 2-3 minutes and refuse to x-ray my ankle, and then just walk away from me. How is that a better alternative? I clearly had a problem with my ankle, and the doctor did absolutely nothing useful. The doctor was harried, clearly overworked, and clearly had no capacity/interest to manage everyone that she had to see. Based on that experience and what I&#8217;ve heard, I just can&#8217;t back this kind of plan. If it takes paying for private insurance in a country with socialized medicine, how is that a better deal? </p>
<p>As to Iraq, I&#8217;m in the camp that says we never should&#8217;ve gone there in the first place. WMD? Yeah, categorically proven *they never existed.* Bush made a political maneuver that has done nothing except get military and innocent Iraqis killed, and rob Americans of billions of dollars that could be doing something useful for America. </p>
<p>If the US government can&#8217;t do something as simple as manage social security in a way that guarantees it will be around in 30 years, why should they be in charge of other &#8216;care for the masses&#8217; programs? I have little confidence the government can (or even wants to) care for me as it is now.</p>
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		<title>By: "Mo" Money</title>
		<link>http://beingfrugal.net/2008/06/23/middle-class-financial-squeeze/comment-page-1/#comment-9392</link>
		<dc:creator>"Mo" Money</dc:creator>
		<pubDate>Mon, 23 Jun 2008 19:56:16 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=803#comment-9392</guid>
		<description>We only need to look at Social Security, Medicare, and other government run agencies to see that the government does not know how to efficiently run these agencies.  Robbing from the rich and giving to the poor is also a program that won&#039;t work.</description>
		<content:encoded><![CDATA[<p>We only need to look at Social Security, Medicare, and other government run agencies to see that the government does not know how to efficiently run these agencies.  Robbing from the rich and giving to the poor is also a program that won&#8217;t work.</p>
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		<title>By: Jemelene</title>
		<link>http://beingfrugal.net/2008/06/23/middle-class-financial-squeeze/comment-page-1/#comment-9391</link>
		<dc:creator>Jemelene</dc:creator>
		<pubDate>Mon, 23 Jun 2008 18:18:54 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=803#comment-9391</guid>
		<description>Its interesting that both sides of the argument pretend to know what the Iraqi people want. Even in their country, there is differing opinions on what they want.

The same with this discussion. In both my current position and a former job had me in the path of those who are being supported by the system. They are not acheiving a better life because of our handouts. In fact, it appears to be the opposite and they are contirbuting to the cycle of poverty and waste.

One expample, anyone who presents themselves to an emergency room for medical care has to be seen. It doesn&#039;t matter what their medical complaint, its the law. We are flooded with complaints from a rash, common cold, pink eye, ringworm and a list of things that most people wouldn&#039;t even see their primary care physician to address. These same folks seem to know what show is on cable or sattelite at any given time. The taxpayers are paying for food and medical care so these individuals can pay for cable and DVDs.

I dream of the days where faith based or private organizations help out the truly needy. I thinnk they wer emore effecient and focused more on the whole person rather than how many folks they can sign up to their programs. Those few who are truly helped seem to make the choice to better themselves, their children and their community. You can&#039;t tell me that the majority of folks being supported by the system are truly having a better life because of it.

Thanks for your wise words and well thought out  opinions!</description>
		<content:encoded><![CDATA[<p>Its interesting that both sides of the argument pretend to know what the Iraqi people want. Even in their country, there is differing opinions on what they want.</p>
<p>The same with this discussion. In both my current position and a former job had me in the path of those who are being supported by the system. They are not acheiving a better life because of our handouts. In fact, it appears to be the opposite and they are contirbuting to the cycle of poverty and waste.</p>
<p>One expample, anyone who presents themselves to an emergency room for medical care has to be seen. It doesn&#8217;t matter what their medical complaint, its the law. We are flooded with complaints from a rash, common cold, pink eye, ringworm and a list of things that most people wouldn&#8217;t even see their primary care physician to address. These same folks seem to know what show is on cable or sattelite at any given time. The taxpayers are paying for food and medical care so these individuals can pay for cable and DVDs.</p>
<p>I dream of the days where faith based or private organizations help out the truly needy. I thinnk they wer emore effecient and focused more on the whole person rather than how many folks they can sign up to their programs. Those few who are truly helped seem to make the choice to better themselves, their children and their community. You can&#8217;t tell me that the majority of folks being supported by the system are truly having a better life because of it.</p>
<p>Thanks for your wise words and well thought out  opinions!</p>
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		<title>By: Bonnie</title>
		<link>http://beingfrugal.net/2008/06/23/middle-class-financial-squeeze/comment-page-1/#comment-9389</link>
		<dc:creator>Bonnie</dc:creator>
		<pubDate>Mon, 23 Jun 2008 17:52:59 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=803#comment-9389</guid>
		<description>How many people do you know who are the top 1%?  I know quite a few, most of them don&#039;t contribute anything to create jobs for other people, any more than the average non 1% citizen does.

An educated and healthy workforce is paramount to America&#039;s success.

America&#039;s wealthy are not making the contributions that they did in the past.  Every time you go to the library and pick up a book, remember that Andrew Carnegie, essentially built the original infrastructure for our modern library system.  I still visit a Carnegie built library every month in Santa Monica.  Today&#039;s super wealthy are not necessarily super wealthy because they built railroads, and other infrastructure that employed people.  Many of America&#039;s most wealthy today because of paper trades.  Either selling real estate, or trading on the stock market. They have very little connection to labor and most could care less if your library or school has any books or your children have health care.

All the growth in my retirement fund, comes from good trades I make.  I employee no one with that wealth I am building.  Do the companies I buy stock in employ people, yes, of course.  But not more or less because I bought 10,000 shares.  And if I made money selling short, then they definitely didn&#039;t hire anyone because I made money off that trade.

Your naiveté about why the wealthy are wealthy reflects populist conservative media talk meant to keep the bottom of the middle class from demanding a tax system that does not allow people at the top to profit from the people at the bottom in a system that is rigged.  

Bottom line, I keep more of what I earn, because I have money, and can afford to pursue all kinds of tax loopholes.  And my government rewards me for this because it&#039;s a system designed by my financial peers not yours.  I can say without having any idea of what you and your husband make, that I definitely pay less of a percentage of my earnings in taxes than you do.

Read what Warren Buffett has to say about why he thinks he and other wealthy people should pay more for the good of America.

http://business.timesonline.co.uk/tol/business/money/tax/article1996735.ece

and read this college professor and author&#039;s analysis of Buffet&#039;s experiment
http://freakonomics.blogs.nytimes.com/2008/05/01/taxes-warren-buffett-and-paying-my-fair-share/?scp=1-b&amp;sq=warren+buffett&amp;st=nyt

I make more money than you do. Our household income is over $150,000 a year and has been over $250,000 in other years.  I want to pay my fair share so that all America&#039;s children can get a good education.  That should not be a benefit of only the wealthy or those who are able to home school, or augment with tutors.  You live non-metropolitan area, so your challenges with schooling while there, pale in comparison to what poor city kids have to put up with just to try to educate themselves, while their parents work 3 and 4 jobs, just to pay the bills.  All the while praying that their kids won&#039;t get sick, because if they have to take a day off work to sit at county hospital with their child they might get fired, or they won&#039;t be able to put food on the table for all the others because they didn&#039;t earn pay that day.

I volunteer, I donate money, but it&#039;s not enough, and my government needs to tax my peers to provide school buildings free from asbestos, and stifling heat rising to 110 degrees.  And well equipped with books and technology that are going to produce graduates who can read and write proficiently in English and who have the opportunity to become more than just the next wave of people only skilled enough to clean the toilets at McDonald&#039;s.</description>
		<content:encoded><![CDATA[<p>How many people do you know who are the top 1%?  I know quite a few, most of them don&#8217;t contribute anything to create jobs for other people, any more than the average non 1% citizen does.</p>
<p>An educated and healthy workforce is paramount to America&#8217;s success.</p>
<p>America&#8217;s wealthy are not making the contributions that they did in the past.  Every time you go to the library and pick up a book, remember that Andrew Carnegie, essentially built the original infrastructure for our modern library system.  I still visit a Carnegie built library every month in Santa Monica.  Today&#8217;s super wealthy are not necessarily super wealthy because they built railroads, and other infrastructure that employed people.  Many of America&#8217;s most wealthy today because of paper trades.  Either selling real estate, or trading on the stock market. They have very little connection to labor and most could care less if your library or school has any books or your children have health care.</p>
<p>All the growth in my retirement fund, comes from good trades I make.  I employee no one with that wealth I am building.  Do the companies I buy stock in employ people, yes, of course.  But not more or less because I bought 10,000 shares.  And if I made money selling short, then they definitely didn&#8217;t hire anyone because I made money off that trade.</p>
<p>Your naiveté about why the wealthy are wealthy reflects populist conservative media talk meant to keep the bottom of the middle class from demanding a tax system that does not allow people at the top to profit from the people at the bottom in a system that is rigged.  </p>
<p>Bottom line, I keep more of what I earn, because I have money, and can afford to pursue all kinds of tax loopholes.  And my government rewards me for this because it&#8217;s a system designed by my financial peers not yours.  I can say without having any idea of what you and your husband make, that I definitely pay less of a percentage of my earnings in taxes than you do.</p>
<p>Read what Warren Buffett has to say about why he thinks he and other wealthy people should pay more for the good of America.</p>
<p><a href="http://business.timesonline.co.uk/tol/business/money/tax/article1996735.ece" rel="nofollow">http://business.timesonline.co.....996735.ece</a></p>
<p>and read this college professor and author&#8217;s analysis of Buffet&#8217;s experiment<br />
<a href="http://freakonomics.blogs.nytimes.com/2008/05/01/taxes-warren-buffett-and-paying-my-fair-share/?scp=1-b&amp;sq=warren+buffett&amp;st=nyt" rel="nofollow">http://freakonomics.blogs.nyti.....amp;st=nyt</a></p>
<p>I make more money than you do. Our household income is over $150,000 a year and has been over $250,000 in other years.  I want to pay my fair share so that all America&#8217;s children can get a good education.  That should not be a benefit of only the wealthy or those who are able to home school, or augment with tutors.  You live non-metropolitan area, so your challenges with schooling while there, pale in comparison to what poor city kids have to put up with just to try to educate themselves, while their parents work 3 and 4 jobs, just to pay the bills.  All the while praying that their kids won&#8217;t get sick, because if they have to take a day off work to sit at county hospital with their child they might get fired, or they won&#8217;t be able to put food on the table for all the others because they didn&#8217;t earn pay that day.</p>
<p>I volunteer, I donate money, but it&#8217;s not enough, and my government needs to tax my peers to provide school buildings free from asbestos, and stifling heat rising to 110 degrees.  And well equipped with books and technology that are going to produce graduates who can read and write proficiently in English and who have the opportunity to become more than just the next wave of people only skilled enough to clean the toilets at McDonald&#8217;s.</p>
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		<title>By: Debbie</title>
		<link>http://beingfrugal.net/2008/06/23/middle-class-financial-squeeze/comment-page-1/#comment-9388</link>
		<dc:creator>Debbie</dc:creator>
		<pubDate>Mon, 23 Jun 2008 17:27:20 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=803#comment-9388</guid>
		<description>I am a relatively need reader of your blog but have been enjoying it for a few weeks.  Gives me lots of info and a lot to think about.  I have two kids heading to college soon and am very concerned about what their future will hold.  Thanks for the information.</description>
		<content:encoded><![CDATA[<p>I am a relatively need reader of your blog but have been enjoying it for a few weeks.  Gives me lots of info and a lot to think about.  I have two kids heading to college soon and am very concerned about what their future will hold.  Thanks for the information.</p>
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