People DO make the choice to be rich or poor. Maybe its not a conscious one, but the result is the same. If you choose to max out your credit cards and have the flash car and no/little assets, thats your choice isn’t it?

As for the tax debate, what about turning it upside down and putting the emphasis on taxing expenditure rather than income. Streamline the income tax rates and reduce them putting more after tax income in peoples pockets and raise taxes on what they “choose” to buy with this money.

This to me would be more fairer. Choose to spend or choose to invest.

Craig