Sounds like a man that lives in reality. 
He has been saying all the things everyone is saying here for years. 

Undisciplined

You just have to work it out and balance it.

I would rather pay them than have them give me back my money after holding it the whole year. Just absurd. This is how I was taught from my father.

econ

U.S. Treasury Cash Surge 

GhostofTruth

You just have to work it out and balance it. 
I would rather pay them than have them give me back my money after holding it the whole year. Just absurd. This is how I was taught from my father. 