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HAMBURG, GERMANY - DECEMBER 09: A woman checks out the offerings of a jeweler on December 9, 2013 in Hamburg, Germany. According to a recent study people in Germany will spend over EUR 70 billion this Christmas season on gifts, food, travel and decorations, of which they will spend EUR 10 billion online. (Photo by Philipp Guelland/Getty Images)
HAMBURG, GERMANY - DECEMBER 09: A woman checks out the offerings of a jeweler on December 9, 2013 in Hamburg, Germany. According to a recent study people in Germany will spend over EUR 70 billion this Christmas season on gifts, food, travel and decorations, of which they will spend EUR 10 billion online. (Photo by Philipp Guelland/Getty Images)
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Too Much Month — Not Enough Money

Money can produce more money without you doing anything. It’s really an amazing thing.

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A shopper pays cash for sales merchandise December 26, 2000 at the Lakeline Mall in Austin, Texas. Stores were hoping that after Christmas shopping could salvage what seems to be a disappointing holiday season. (Photo by Joe Raedle/Newsmakers / Getty Images)
A shopper pays cash for sales merchandise December 26, 2000 at the Lakeline Mall in Austin, Texas. Stores were hoping that after Christmas shopping could salvage what seems to be a disappointing holiday season. (Photo by Joe Raedle/Newsmakers / Getty Images)
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What Is Money?

I remember thinking to myself, “Is nine dollars a good price for two pretty good sized jars of peanut butter?”

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WASHINGTON, DC - MARCH 13: Atmospheric physicist and Columbia University Earth Institute adjunct professor James Hansen testifies before the Senate Foreign Relations Committee during a hearing about the proposed Keystone XL pipeline project in the Dirksen Senate Office Building on Capitol Hill March 13, 2014 in Washington, DC. The committee heard testimony from proponents and opponents of the pipeline, which would carry tar sands oil from Canada to the United States for production and refinery. (Photo by Chip Somodevilla/Getty Images)
WASHINGTON, DC - MARCH 13: Atmospheric physicist and Columbia University Earth Institute adjunct professor James Hansen testifies before the Senate Foreign Relations Committee during a hearing about the proposed Keystone XL pipeline project in the Dirksen Senate Office Building on Capitol Hill March 13, 2014 in Washington, DC. The committee heard testimony from proponents and opponents of the pipeline, which would carry tar sands oil from Canada to the United States for production and refinery. (Photo by Chip Somodevilla/Getty Images)
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What Does The Keystone Pipeline Mean To Montana?

The Keystone Pipeline being proposed will be the safest pipeline ever constructed in the US...

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POMPANO BEACH, FL - OCTOBER 08: Signs advertising $10 dollar toys are seen in the toy department of a Wal-Mart store October 8, 2009 in Pompano Beach, Florida. Wal-Mart stores, Inc. announced recently that it would be bringing back its $10 toys section in all stores as they gear up for the holiday shopping season and will expand its $10 holiday assortment this year to more than 100 toys. (Photo by Joe Raedle/Getty Images)
POMPANO BEACH, FL - OCTOBER 08: Signs advertising $10 dollar toys are seen in the toy department of a Wal-Mart store October 8, 2009 in Pompano Beach, Florida. Wal-Mart stores, Inc. announced recently that it would be bringing back its $10 toys section in all stores as they gear up for the holiday shopping season and will expand its $10 holiday assortment this year to more than 100 toys. (Photo by Joe Raedle/Getty Images)
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I Love Christmas, But NOT YET!!

There’s something magical about watching two women going to blows over the last remaining sale item that says “Merry Christmas” to me. How bout’ you?

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WASHINGTON - FEBRUARY 28: Senate Committee on Commerce, Science and Transportation member, Byron Dorgan (D-ND), holds up a Government Accounting Office report during his opening statement on Capitol Hill February 28, 2006 in Washington, DC. The committe held a hearing about the United Arab Emirates-based company Dubai Ports World's take over of the managment of several terminals in the ports of New York, New Jersey, Philadelphia, Baltimore, Miami and New Orleans. (Photo by Chip Somodevilla/Getty Images)
WASHINGTON - FEBRUARY 28: Senate Committee on Commerce, Science and Transportation member, Byron Dorgan (D-ND), holds up a Government Accounting Office report during his opening statement on Capitol Hill February 28, 2006 in Washington, DC. The committe held a hearing about the United Arab Emirates-based company Dubai Ports World's take over of the managment of several terminals in the ports of New York, New Jersey, Philadelphia, Baltimore, Miami and New Orleans. (Photo by Chip Somodevilla/Getty Images)
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Is It Time For A Government Accounting?

Whenever something happens in government the Senate and House waste no time is appointing committees or the famous “blue ribbon panels.”

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WASHINGTON, DC - SEPTEMBER 09: Pentagon Principal Deputy Defense Undersecretary for Acquisition, Technology and Logistics Alan Estevez testifies about military equipment given to local law enforcement departments by the federal government during a Senate Homeland Security and Governmental Affairs Committee hearing about at the Dirksen Senate Office Building on Capitol Hill September 9, 2014 in Washington, DC. In the wake of the Ferguson, MO, police response to peaceful protests, senators on the committee were critical of the federal grant programs that allow local and state law enforcement agencies to buy armored vehicles, assult rifles, body armor and other military equipment. (Photo by Chip Somodevilla/Getty Images)
WASHINGTON, DC - SEPTEMBER 09: Pentagon Principal Deputy Defense Undersecretary for Acquisition, Technology and Logistics Alan Estevez testifies about military equipment given to local law enforcement departments by the federal government during a Senate Homeland Security and Governmental Affairs Committee hearing about at the Dirksen Senate Office Building on Capitol Hill September 9, 2014 in Washington, DC. In the wake of the Ferguson, MO, police response to peaceful protests, senators on the committee were critical of the federal grant programs that allow local and state law enforcement agencies to buy armored vehicles, assult rifles, body armor and other military equipment. (Photo by Chip Somodevilla/Getty Images)
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How Much Government Is TOO Much Government?

We pay for a lot of government. Over $3 trillion each year just the run the basic stuff — then we borrow billions more to fill in the gaps.

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MIAMI, FL - FEBRUARY 13: Hisham Uadadeh walks out of Leading Insurance Agency after enrolling in a health insurance plan under the Affordable Care Act on February 13, 2014 in Miami, Florida. Numbers released by the government showed that about 3.3 million people signed up for health insurance plans under the Affordable Care Act through the end of January. (Photo by Joe Raedle/Getty Images)
MIAMI, FL - FEBRUARY 13: Hisham Uadadeh walks out of Leading Insurance Agency after enrolling in a health insurance plan under the Affordable Care Act on February 13, 2014 in Miami, Florida. Numbers released by the government showed that about 3.3 million people signed up for health insurance plans under the Affordable Care Act through the end of January. (Photo by Joe Raedle/Getty Images)
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How’s That Affordable Care Act Working Out For You?

People confuse “Healthcare” and “Health Insurance.” The Affordable Care Act, or “Obamacare” as some people refer to it, is insurance — not healthcare.

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WASHINGTON, DC - DECEMBER 17: U.S. Sen. Tom Coburn (R-OK) speaks during a news conference December 17, 2013 on Capitol Hill in Washington, DC. Sen. Coburn held the news conference to release 'Wastebook 2013,' his annual report of 'examples of wasteful and low-priority spending' of the U.S. Government. (Photo by Alex Wong/Getty Images)
WASHINGTON, DC - DECEMBER 17: U.S. Sen. Tom Coburn (R-OK) speaks during a news conference December 17, 2013 on Capitol Hill in Washington, DC. Sen. Coburn held the news conference to release 'Wastebook 2013,' his annual report of 'examples of wasteful and low-priority spending' of the U.S. Government. (Photo by Alex Wong/Getty Images)
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How Much Is Government Waste Costing You?

“High End” free gym memberships for ICE (Immigration and Customs Enforcement) $450,000.

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JINJIANG, CHINA - OCTOBER 31: (CHINA OUT) Children in fancy dress costumes celebrate Halloween at a primary school on October 31, 2013 in Jinjiang, China. (Photo by ChinaFotoPress/Getty Images)
JINJIANG, CHINA - OCTOBER 31: (CHINA OUT) Children in fancy dress costumes celebrate Halloween at a primary school on October 31, 2013 in Jinjiang, China. (Photo by ChinaFotoPress/Getty Images)
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Friday Fun Facts About Halloween

Halloween is the second highest grossing commercial holiday after Christmas.

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LONDON - AUGUST 10: Model Ayesha Makim (2nd-R), Sarah Ferguson's Niece, attends a catwalk show and cocktail party launching Australian underwear and swimwear brand 'Bonds' autumn/winter range at Sketch on August 10, 2004 in London. The event follows Pat Rafter and Ayesha Makim, the Duchess of York's niece, unveiling a live three-day window spectacle in Selfridges window. (Photo by David Westing/Getty Images)
LONDON - AUGUST 10: Model Ayesha Makim (2nd-R), Sarah Ferguson's Niece, attends a catwalk show and cocktail party launching Australian underwear and swimwear brand 'Bonds' autumn/winter range at Sketch on August 10, 2004 in London. The event follows Pat Rafter and Ayesha Makim, the Duchess of York's niece, unveiling a live three-day window spectacle in Selfridges window. (Photo by David Westing/Getty Images)
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Private Funding For Social Programs

SIB’s allow government, business, non-profits and investors to work together to solve community problems without putting taxpayer dollars at risk.

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