I'm actually taking Dave Ramsey's Financial Peace University course at the moment, so it's pretty obvious I'm not big on debt. It ends up costing a bundle in the long run. Of course there are certain things you have to borrow money on, like mortgages, but many other things individuals could save for. I'm saying all of this to say that our government needs to practice more saving and less borrowing. Obviously, the Crosstown Project is being payed through a saving program...they're halfway there. Sure, it's taking many many years, but it's a good concept. Why can't all projects be completed like this? Instead of waiting for a highway to completely deteriorate, start putting money aside (and invest it) to fund the highway's replacement 10 years before it actually needs to be replaced. Had we started saving for a new Crosstown 20 years ago, we probably wouldn't have the problems we have today.

We need to practice saving, and spending as you go!