A mell of a hess.

Mark Levin is always awesome. But he really hits it dead on in this piece today.

I'm no economist. But it is pretty readily apparent even to me that the government has gotten itself into a pretty pickle. Government insisted that "everyone should own a house" and set about putting all kinds of programs in place to make sure that credit was easy, terms were lax and money flowed for any Tom, Dick or Harry that wanted to buy a house.

Now I'm all for home ownership. Home ownership is a very good thing. But it used to be something that one would save for, work hard for and finally earn. It was valued.

Easy credit/easy loans for folks who may have bought either too much house or a house when they weren't financially ready is a symptom of the liberal disease. The disease centers around this notion that everyone has a right to a whole flood of things and it should be handed out like candy whether one works for it or not.

When the payments got to be too much, mortgage lenders were left holding the bag. So they tried extending more credit and getting into a whole slew of other menu items which only got folks further and further into the red. And now they want government to give precious tax dollars over to fix the problem.

A whole bunch of fancy accounting tricks later and we now find ourselves in what my grandfather used to call "a mell of a hess." What do the geniuses in Congress want to do now? Give more money to extend more credit which got us into the mess in the first place. Even worse, we owe more than a small fortune to countries like China....not exactly huge fans of America in particular and capitalism in general.

Many years ago when financial times were tight for me and my husband, we didn't go out and get more credit. In fact, we cut up the credit cards and put ourselves on a tighter budget. We found ways to save money, cut spending and pay down our debt.

Government isn't just in the business of tossing money around happily....well, it is, but not without exacting some kind of extremely steep cost, and it is usually at the expense of the free market, the individual, small business owners, etc. And the cost for this bailout seems to be handing the keys to the free market over to the government....which is in the business of basically killing the free market. And I have yet to see government run ANYTHING better than the free market. Let's see....Fed Ex or the Post Office? Not a close call.

With that, I can't really say that I even know the details of what is in this so-called "Bailout." Frankly, I don't think anyone knows. It probably is changing by the nanosecond. But I do know what my banker father would have said. He predicted years ago that the downfall of the banking industry would come from overextended credit, bad loans, banks getting into businesses that it shouldn't, and not just over-regulation but really really bad regulation.

This whole thing has been an absolute disaster. I have sat here and watched my stock portfolio with nothing but nausea. And here is the kicker....I've been paying my mortgage. I've paid my bills. I've done those things that I'm supposed to do and yet I'm now being punished by those who aren't paying their mortgage or credit card bills. I'm just sort of curious as to how that is fair. I pay my bills but apparently if I didn't pay my bills I'd be a heck of a lot better off.

Liberals are just not going to be happy until they make sure they kill every ounce of effort and ingenuity in this country. They just can't seem to grasp the idea that a whole lot of us just don't look to the government to solve our personal financial issues -- it just isn't the thought that hits us. In fact, a whole lot of us are pretty sick and tired of being punished for making any kind of effort to be successful.

Let's hope that a whole lot of us go to the polls in November.