Happy New Year to my fellow Rostrafarians!!!

I bring my sad thoughts on this pending “Fiscal Cliff” deal.

To all of us, do we really realize this is the result of our own actions? I’m not talking about those we elected, but what we expect from government and our own personal actions.

First of all, we like consumer debt. What does that mean? We like to buy now and pay later, which might mean sacrifices in the future, but we tend to forget that, or assume we can always wipe the slate clean by bankruptcy in the worst case.