People need to heed the message of Chris Christie and get the job done. We don't want the last century, America's century, to be a historical accident.

What middle-income Americans want most of all is a job. We need a generous safety net for the most vulnerable in our society, but for most people the biggest social accomplishment that we can help them achieve is a good-paying job.

To work hard. To open new doors for our kids, for our grandkids. To renew our spirit. That's what America is about.

The fears are unanimous. ObamaCare is too expensive. It is a government takeover of our healthcare system. Services will be diminished. The patient-doctor relationship will be eliminated. It will not make healthcare more affordable. And it will bankrupt small businesses.

Without any formal personal finance education or trustworthy resources to tell them otherwise, the majority of people in the 18-to-24-year-old age bracket do not know how to use credit effectively, tackle debt or make wise decisions when it comes to spending.

I drove motorcycles through college. I didn't have the money to buy a car.

You don't want to hear about how much money I donate to the Boys and Girls Clubs of America or to AIDS awareness or to give out scholarships. You don't want to hear about that.

Individuals want to know that none of their own money is being invested in companies that put their profits ahead of international security.