Written by:  Scott Cooper 

In 1997 I found this blog, and it has meant a tremendous amount to me during the last 16 years.  Doug Phillips, who wrote it, would re-write it every couple years.  I refer you back to the actual blog, by clicking here; however I am going to post the entire thing here – in the event the blog is removed.  I will explain why it may be removed below.  Its potential removal is FAR LESS IMPORTANT than the impact of the writing could have on your life.

Life moves fast. If we don’t take the time to chronicle the providences of God, we forget them. If we don’t take the time to say thank you to those who have invested in our lives, we actually cultivate a spirit of ingratitude in our own hearts. If we don’t stop and make sure that we have a spirit of forgiveness toward others, we grow bitter, we lose the capacity to move victoriously into the future, and our prayers are hindered.

Here is a little practice that I was taught and would like to share with you. Each year, during the last week of December, I would encourage you to do the following things.

I. Outline and Chronicle the Many Providences of God

Write the vision, and make it plain upon tables, that he may run that readeth it. (Hab. 2:2)

First, using simple bullet points, outline the key events for every week of every month of the year. Take the time to do the research which will help jog your memory and allow you to make an accurate record. I find that reviewing bills, blogs, journals, newspaper headlines, letters, and even organizing my photographs chronologically are enormously helpful tools. Those individuals who were faithful to journal or keep a diary will have little problem reconstructing key events. Give yourself a good week to reconstruct your own outline of the year. Also, by making this a family project, you will not only build your list with greater speed and precision, but (in the hands of a loving patriarch) the very act of chronicling the providences of God in your life is a blessed tool for family discipleship.

Every family will have a different set of priorities directing what they should record. In addition to recording the key events and providences of the year chronologically, I try to take the time with my family to record some of the following information on separate bullet lists:

1. Where did I/we travel?
2. What were the most important sermons I heard this year?
3. What books/articles did I write?
4. What significant household projects did we accomplish in 2011?
5. What were the most important meetings of the year?
6. What special friendships were made this year?
7. Which children lost teeth, and how many?
8. Who grew in physical stature, and how much did they grow?
9. Who learned to read this year?
10. What diet and physical exercise regimen did I maintain to honor “my temple”?
11. What books did I read? Did we read as a family? Did my children read?
12. What Scriptures did my family memorize?
13. What loved ones died this year?
14. What were the great personal/ministry/national tragedies and losses of the year?
15. What were the great personal/ministry/national blessings of the year?
16. What were my most significant failures/sins for the year 2011?
17. What commitments have I made to overcome sin in 2011?
18. What significant spiritual and practical victories did I experience?
19. In what tangible ways did I communicate gratitude to those who have blessed me and invested in my life?
20. What are the top ten themes of 2011 for my family?

II. Say ‘Thank You’ to Those Who Have Invested in Your Life

[I] cease not to give thanks for you, making mention of you in my prayers. (Eph. 1:16)

Whatever happened to the man who first opened to you the words of life from the Scripture? Where is the comrade, coach, or instructor who believed in you and helped you to accomplish a great goal? What about the Bible teacher whose careful handling of the Word opened up new vistas of understanding? Where is the friend who stood with you through thick and thin? Most importantly, what have you communicated to the mother who carried you in her womb, loved and nurtured you, or the father who labored to provide for and shepherd you?

When was the last time you responded to their investment in your life with gratitude, blessings, and even money? Jesus reminds us of those ungrateful recipients of blessing who simply went their way without demonstrating gratitude (Luke 17).

Before the year ends, make a list of two types of people: The first list are the names of people whose life, ministry, or personal investment in you have deeply touched you and changed your life. (In my case, the list includes parents, pastors, and even some teachers from the early years of my Christian walk that I did not meet until much later in my life, but whose books and tapes were crucial to my personal discipleship as a young Christian.) The second list should include those people who played the most significant role in your life in 2011.

Write a brief, meaningful letter to each of them. Be specific in your gratitude. Explain what they did for you and why it was important to you. Show them how they were God’s instrument of blessing in your own life. Pray over each letter, asking God to grant you rich insights on the character qualities of each individual and on the way those qualities changed your own life. Where appropriate, include a check or special token of appreciation that reflects your desire to show them, tangibly, that you recognize that you are in their debt. You cannot imagine the joy this will give to someone from your past who may think you have forgotten them. Give generously and without concern for getting a tax deduction. I strongly recommend sending money to your parents. Keep in mind that you will never be able to return their personal and financial investment in your life, except through your testimony of faithfulness, covenant keeping, and honor to the Lord.

Also, your children need to know the people who have blessed their parents. They need to see that Mom and Dad are grateful and generous. Share your letters with them. In our household, we ask our children to write to some of the people who have blessed Mommy and Daddy, because our children are the indirect recipients of these blessings on their parents.

This will take a day or two to complete. You may have twenty letters to write, but you will never regret saying “thank you.”

One last thought: One reason why Christians are often limited in vision, energy, and blessings is that, contrary to the Lord’s command, we are ungrateful, unforgiving, and bitter. Far too many who profess the name of Christ spend more time obsessing on those who have wronged them than rejoicing in those who have blessed them. Letters and tangible expressions of gratitude are not only pleasing to Christ, but an antidote to heart-sickness.

III. Forgive Those Who Have Wronged You

Dearly beloved, avenge not yourselves, but rather give place unto wrath: for it is written, Vengeance is mine; I will repay, saith the Lord. Therefore if thine enemy hunger, feed him; if he thirst, give him drink: for in so doing thou shalt heap coals of fire on his head. Be not overcome of evil, but overcome evil with good. (Romans 12:19-21)

In the course of a year, it is possible to build up many offenses and personal grievances at others. Left unaddressed, these grievances fester and grow. They turn the heart black and the body weak. They foster a spirit of vengeance and misguided self-righteousness. The short of it is this: Unforgiveness leads to bitterness. Bitterness curdles the mind and the spirit.

Fresh starts and new years should begin with forgiveness for others. Having a genuine spirit of forgiveness towards those who have wronged us is a mark of biblical Christianity. It is an evidence that we have been redeemed, and that we are praying lawfully: “Forgive us our debts, as we forgive our debtors” (Matthew 6:12).

Successful Christians are men and women who are free from bitterness. They have learned the principle modeled by our Lord Jesus Christ who, while suffering death at the hands of people he had never wronged, was able to say, “Father, forgive them; for they know not what they do” (Luke 23:24).

I have a dear preacher friend with a sterling reputation who was once grievously slandered. When asked about the wicked actions of the slanderers, he replied something to this effect:  Oh you don’t understand — I am far, far worse than my detractors realize. They may have gotten a lot of the specific facts wrong, but I am just thankful they don’t know how bad my heart truly is. God have mercy on me a sinner.

This man had victory over bitterness.

My father is another man who always appeared to have victory over bitterness. In fact, from my earliest days to the present, I have watched lesser men “twist the truths [he’s] spoken to make a trap for fools.” [i]  Early in my life when I was still in government schools, I would listen to my own teachers criticize before my class the work my father was doing for the President to dismantle a government agency which was at war with the family. I read untruthful articles and saw derogatory comics on the pages of the Washington Post picturing him as a caveman for his “prehistoric” views. When my father was a leader in the Republican Party in Massachusetts, a gangster repeatedly threatened the life of his family. I remember being a boy and having my father shield me from homosexual picketers and protesters that would follow him and our family around at public locations.

Most painful and difficult for many to forgive is betrayal and dishonor. But that is a mistake. Betrayal and dishonor probably exist in the lives of most men. And why should any Christian be denied in their lives what past generations of Christians — and our Lord and Savior Himself — patiently endured? To our shame, most of us have been on both sides of that coin. From a son’s perspective, however, it is highly instructive to watch a father act honorably in the midst of such conflict. It has been a great blessing in my own life to observe my father nobly respond even in the face of barbs from former allies and friends, once loved and nurtured by him.

Eternally optimistic, Dad would always say: “Never be bitter. Life is too short. Thank God for your blessings. Press on!”

Bitterness comes from being unwilling to forgive. Bitter people are small people. They are unsuccessful people. They are people who cannot move forward. They are people who believe that the personal wrongs against them are so great that they — the offended — are entitled to do to their offenders what they pray the Lord Jesus Christ will never do to them: refuse to forgive.

Here is my recommendation: Think through every grief, minor and major, caused by others to you in the year 2011. Now add to the list any other personal offenses that continue to linger from past years. Write these down as bullets on a sheet of paper.

The first thing you will likely realize is just how many offenses are polluting your thought life and, probably, your spirit. This is a sign of latent bitterness. Bitterness will kill you. It renders you completely ineffective.

Now prayerfully walk through the list — bullet, by bullet. With each offense, remind yourself that the most despicable action taken against you by another utterly (and infinitely) pales in comparison to the least of your offenses against the Lord Jesus Christ.

And yet He has forgiven you.

Before 2014 begins, adopt a spirit of forgiveness towards your insensitive friends as well as your hateful enemies. Forgive your imperfect father for whatever it is you need to forgive him for (and pray to the Lord that your own children someday forgive you for your failures). Quit devoting untold precious hours to commiseration, mental replay of the wrongs done, and thoughts about just how badly you were wronged. Stop blaming everybody but you for your problems. Look to yourself. Once you start chronicling your own sinful attitudes and crimes against God and man, you simply won’t have time to worry about the wrongs done to you. You will stop being bitter, and you will start being thankful.

Wipe the slate clean. “Press on.” Forgive.

Conclusion

As 2013 comes to a close, take time to remember and to say “thank you.” Take time to examine yourself for bitterness. Forgive others. Finally, as you love God with all your heart, soul and might, trust Him, too. Really trust him. Trust God with all your heart, your soul and might. You and I cannot solve every problem. What we can do is be kind, forgiving, and patient before the Lord. We can not “fix” everything that is broken. Only God can do that. In His time and His way, the Lord cannot only bring peace, but He can give you the very desires of your heart as you seek Him with integrity. He can redeem the years the locusts have eaten, and He delights in blessing His faithful children. “The blessing of the LORD, it maketh rich, and he addeth no sorrow with it” (Proverbs 10:22).

It is appropriate that we stop and thank God at the birth of a new year. Remember that God gave man the stars on Day Four in part so that he could order and structure his life based on a clock/calendar system of days, seasons, and years (Genesis 1). He tells us to “remember” acts and to “number” our days. In Scripture, the formal act of remembering providences of God in our life is linked to hope, honor, and generational success (e.g., Psalms 44, 78, etc.). By February 2012, the year 2011 will be a distant memory. Strike now while the iron is hot. The opportunity to remember and to say “thank you” may never come again. And can you afford even one more day in which your prayers are hindered — because you were refusing to forgive? Trust the Lord. He is in charge: “Trust in the LORD with all your heart, And lean not on your own understanding; In all your ways acknowledge Him, And He shall direct your paths” (Proverbs 3:5).

My (Scott Cooper) closing comments:

I sincerely hope you benefit from Doug’s writing, and I hope you will make it a part of your personal annual review as I have!

Doug Phillips and the ministry of Vision Forum Ministries has impacted many families for over 15 years. I dare say his ministry will impact generations. Although I have never been to any of the many conferences put on by Vision Forum, I often dreamt about going!  I have met countless people who have attended and been tremendously impacted by their attendance.

I have personally benefited from the writings of Doug Phillips.  The writing I posted above, which I have returned to year after year for a long time, has helped me tremendously during the last four years as I have engaged in the civic arena and felt the pain of attacks from those who I thought were my friends.  I have since learned that anyone worth their salt in the civic arena will struggle with this – and Doug’s writing in point three above is instrumental in moving forward, in my opinion.

For years, during this time of year, I have read this blog to my Sunday School Class of High School men.  I have also shared it with my extended family on more than one occasion at family gatherings.  I have shared it in Thanksgiving, Christmas and New Year’s greetings, like this one last year!

In mid-2013 Doug resigned from Vision Forum Ministries, as a result of engaging in an emotional, romantic affair that was never consummated.  Shortly afterward, the ministry itself decided to close.  You can read the statements here.  That is why I posted the blog in it’s entirety on my blog – in the event it ever gets removed.

This fall, when I started my annual process, when I Googled to find the blog, I couldn’t find it, but I found countless writings about “the affair,” and criticisms of the man and the ministry.  I can’t describe the grief I felt.  I actually had to go back to an e-mail I sent last year in order to find it.

I have a couple thoughts: 

• Doug’s writing above is valuable, and will continue to be valuable – and I hope Doug’s Blogs remain available and easy to find.  I hope you will benefit from the one I posted above!
• I have nothing but admiration for the way Doug, The Phillips family and Vision Forum Ministries has handled this issue.  I may choose to write more about it at a later time – but for now I simply want to say:
• I am saddened by the fact that when I specifically googled for a writing that has impacted my life for over a decade, I couldn’t find it.  All I could find was writings about one man’s downfall, and the closing of a ministry – and many of the authors of the posts almost gleeful about it.
• But for the Grace of God go each one of us.  Doug was a man of influence – and I believe that as our influence grows, the more susceptible one is to failing.  I Peter 5:8 promises us that the Devil prowls around like a lion seeking someone to devour.  I believe he most wants to devour those who influence others for God’s Kingdom. Doug was effective in that area.
• We should be in prayer for the Phillips family and the lives of those who worked at Vision Forum Ministries as well as those who were impacted by the ministry.  While these are difficult times, and there are consequences for our actions – Romans 8:28 promises “And we know that in all things God works for the good of those who love him, who have been called according to his purpose.”

Shared by:  Scott Cooper

To follow is a presentation Henry Cooper, Chairman of High Frontier, and my father, gave on Electro Magnetic Pulse at the South Carolina Tea Party Patriots Convention in January 2013.

Much has taken place with the EMP Coalition since January 2013.  Please click here to get the latest updates from High Frontier!

“December 7, 1941, a day which will live in infamy” are famous words delivered by Franklin Delano Roosevelt in a joint session of Congress the day following the Japanese bombing of Pearl Harbor, 71 years ago today.

Those who were 18 years old that day, if they are still alive, are 89 years old now.  The result being, very few Americans personally know or understand the sacrifice that generation of Americans made to stop tyranny.  Over 60 million individuals or 2.5 % of the world’s population died in that war.  Over 418,000 Americans died.  Great Britain lost over 450,000.  As a percentage of population, Great Britain lost twice as many citizens as The United States.

Until December 7^th, 1941 most American’s were oblivious to the world at war.  Many who understood did their best to ignore it and encouraged their neighbors to do the same.  The attitude in Great Britain was similar, until September 1939.  This was despite numerous warnings from statesman Winston Churchill, who lost his seat in Parliament almost a decade before being called back to lead the war effort, in part because his vision was ahead of the people he represented.  Please read a tribute I wrote to statesman Winston Churchill, on his birthday last week!

Today we face threats to our liberty and freedom which are more significant than tyrannical governments outside our borders, like those we fought after the attack on Pearl Harbor.  Indeed our enemy is within our borders.  Commodore Oliver Hazard Perry, known for his military efforts in the mid-19^th century, is noted for stating “We have seen the enemy and they are ours….”  Often paraphrased, “we have met the enemy, and it is US!”

This morning, as I reflected on what took place 71 years ago, two thoughts came to mind.

1. First, most of our citizens, especially the youth have no grasp of our history, not only about this date but about the foundational principles and the price that was paid for these principles to become a reality in the republic of the United States.
2. We are being destroyed from within, in such a way that if we do not wake up soon, when our next Pearl Harbor takes place (and it will happen – think September 11, 2001), we will be unable to get back up.

I believe we each need to have our own “Pearl Harbor Moment,” but in our own lives.  The key is, once we have that moment, we need to get up from the dinner table, where we have been gorging on the bounty of past generations fight for liberty for far too long, and engage the culture and civic arena to take back what so many of our ancestors bled and died for.

These “Pearl Harbor Moments” aren’t where planes blow up ships.  These “Pearl Harbor Moments” are more like epiphanies in our own minds where we realize: “Houston, we have a problem!”

Then, like the scientists who gathered to fix an impossible problem during the Apollo 13 flight, we need to build our own networks where we will impact change to help steer the ship right.

This repair job will not happen if “We the People” remain at the table eating the dwindling inheritance our forefathers gave to us.

We need to begin building an inheritance for our kids and grandkids!  One they can be proud of.  The inheritance I refer to is the blessings of Liberty and Freedom.  These blessings were purchased at a great price.  What are you willing to personally do to ensure we bequeath the same inheritance to our children that previous generations bequeathed to us?  Or will you sit back and allow their inheritance to be used up in your lifetime?

I used Apollo 13 as an example, because it is a real story of hope and redemption.  All odds were against bringing our astronaut’s home, yet not once did Gene Krantz and the team he assembled give up hope.  Against all odds, they accomplished an impossible task.

I know many individuals have given up hope.  Folks who believe America’s best days are behind her.  There are individuals who are actually abandoning their businesses or reducing the sizes of their businesses, because our government has simply made it impossible to remain in business.  The reason may be due to religious conscious issues, or outrageous regulations.  Some individuals have left the country and every day more consider it.

What will be your “Pearl Harbor Moment?”  Let me share a few of mine:

• U.S. Debt Crisis:  In college, in the late 1980’s, I thought a lot about US deficit spending.  As a Political Science major, I remember giving a speech about it in Public Speaking Class, when our total debt was a mere $ 2.8 Trillion!  I was infuriated back then at the irresponsibility of our government.  I did think about how I could get engaged in the effort to restrain government spending.  From 1987 – 1991, the years I was in college total U.S. Debt grew by $ 1.3 Trillion.  After a brief internship on Capitol Hill in 1990, it was obvious to me that the majority of those in power at the time did not take this issue seriously, so I decided to pursue business opportunities, rather than seek employment in Washington.  From 2009 to today, the years my 21 year oldest son has been out of high school, total U.S. Debt grew by over $ 5 Trillion.  Many of those in Washington during my internship in 1990 are still there.  In fact, they are now in leadership.  Speaker John Boehner has been in Washington for 21 years.  Senate Minority Leader Mitch McConnell has been in office since 1985.  Pearl Harbor Moments!  First during my 1990 Internship.  Reinforced daily since 2008 when George Bush announced, “I have decided to abandon the free market system, in order to save the free market system!  Here we are a generation later, and our rate of debt growth is 400 % faster than when I graduated from college.

• Work Ethic Crisis:  Working in Operations Management in the service or retail industry for the majority of my career, I have seen first hand the declining work ethic of our citizenry, especially the youth.  It breaks my heart to say that, in my opinion, the generation that responded to Pearl Harbor, the children from the depression era, would be ashamed to see many of their great grandchildren today.  I could speak about it from my experiences running car wash or mechanic shops during my time in the rental car industry.  I could share my experiences running logistics in the big box retail industry.  Simply put, the idea that we need immigrants to do work American’s won’t do, is in large part because we have bred a generation to believe there is a certain level of work which is beneath them.  This is perpetuated by an entitlement structure (government run) and parents who give their children so much that the concept of starting at the bottom and working your way up is no longer noble.  Pearl Harbor Moment! 

• Immigration Crisis:  I know this issue will come up politically in the near future.  Personally, I don’t believe we can have serious immigration reform without serious entitlement reform.  This is extremely complicated but PART of the problem is for the reasons listed above, businesses seek migrant labor.  It isn’t because they don’t want to hire Americans to do decent jobs.  It is because they can’t hire Americans, even those who have been unemployed for months.  I have two friends who run farms.  Both friends for over a decade had the same migrant workers come each year to help during the season.  In 2009 due to high unemployment, our government placed restrictions on their ability to have their migrant workers return.  They were required to attempt to hire American’s in multiple states prior to having their seasonal workers return from Latin America.  After investment of time and thousands of dollars, they were unable to hire Americans to do these tasks, all during a time period that government dependency has increased.  I am reminded of Ben Franklin’s comment, “I think the best way of doing good to the poor, is not making them easy in poverty, but leading or driving them out of it.”  Honestly, I don’t think that is a hateful comment, but it is an understanding that when you consistently provide basic needs for people, they become dependent upon it and unwilling to do for themselves what God gave them the capacity to do. Pearl Harbor Moment!

• Muslim Brotherhood Crisis:  There is a “Silent Conquest” (please watch video for details) taking place in our republic, and just like our leaders have failed to deal with our debt crisis, our entitlement crisis, and our securing the border crisis, they are unwilling to deal with this crisis.  Pearl Harbor Moment!

• Energy Dependence Crisis:  The Department of Energy was created by Jimmy Carter in 1977 with the purpose of becoming Energy Independent.  We are 35 years removed, and we are still dependent on our energy supply from the very individuals mentioned in my bullet point above!  Pearl Harbor Moment!

• Growth of Government Crisis:  One of the tasks in Operations Management has been to complete annual competitive wage survey’s, to ensure our compensation packages were in line with the market.  This is not a poke at the thousands of outstanding government workers, but the reality is, the private sector funds the public sector.  The sector that receives its funding from the private sector has compensation packages that for the most part far exceeds the compensation packages of majority of the private sector.  So much so, thousands of citizens are more motivated to “Public Service” rather than building businesses.  Reflect on that some, as our private sector decreases and public sector increases!  Pearl Harbor Moment!

Have you had your “Pearl Harbor Moment” yet?  What are you going to do with it?  

Our children and our grandchildren will receive an inheritance.  The Bible states in Proverbs 13:22 “A good man leaves an inheritance to his children’s children, and the wealth of the sinner is stored up for the righteous” (NASB).

Our fathers and grandfathers who fought in WWII, who we remember today on Pearl Harbor Day, were children during the depression era.  They came back from hard times and left us a tremendous inheritance.  We owe it to them to do the same for our children.

Have you had your “Pearl Harbor Moment” yet?  What are you going to do with it?

As you reflect on this day of history – I pray for God’s blessing on you and your family.  I also pray, that we as Americans may choose to bless God in the civic arena, so that He may choose to bless us!

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Written by: Scott Cooper

In the early 1930’s, Winston Churchill lost his seat in Parliament, and was largely unpopular because he warned of future troubles England would face if they failed to address the growing threat of Nazism in Germany.  Political Leadership ridiculed him, because they were still recovering from WWI, and they did not have the vision that Mr. Churchill did.

Mr. Churchill was a statesman, who wanted to prepare for the next generation.  He was disliked by the politicians who could only see through the next election cycle.

In many ways, Winston Churchill’s statesman like qualities can be seen in individuals who understand the Infiltration of The Muslim Brotherhood in America.  Five such individuals are Reps. Bachmann, R-Minn., Trent Franks,  R-Ariz., Louie Gohmert,  R-Texas, Thomas Rooney, R-Fla., and Lynn Westmoreland, R-GA, who were criticized last summer by GOP leadership simply for requesting an investigation into the background of State Department Employee Huma Abedin.  For example, John Boehner, before reviewing the facts of a letter stated that Michelle Bachmann was “pretty dangerous.”  John McCain, before doing any research called the effort for an investigation “Sinister”.  At one point John Boehner considered removing her from the House Permanent Select Committee on Intelligence, for doing the very thing that committee is tasked to do!

Interestingly enough, Mr. Churchill actually warned about the Islamist Threat as early as 1899, and again in 1921, as was mentioned in an editorial celebrating his 138th Birthday today!

There are modern day Winston Churchill’s among us today!  Five were mentioned above.  Many political leaders who are willfully blind to the truth of the Islamist threat don’t like these statesmen.  Some like Allen West, who have an articulate knowledge on this threat have actually lost elections; however we at The Sharia Awareness Action Network believe these individuals will end up being loved like Winston Churchill, who after defeat and ridicule, was called back to London almost a decade later to lead his country through World War II.

Happy 138th Birthday Mr. Prime Minister Churchill.  You still are an inspiration to many!  Click here to hear some of his inspiration!

Shared by: Scott Cooper

This morning on Fox and friends, author James C. Humes was interviewed about his new book “Churchill, The Prophetic Statesman.”  In the interview it is evident that Winston Churchill knew long before today that the west would be at war with Islamists.

Click here to watch the interview!

Written by: Scott Cooper

Many individuals and groups are speaking about the infiltration of Muslim Brotherhood into all levels of society in the United States of America: Media, Education, The military, and the government bureaucracy.

Some want to go beyond simply talking about the problem.  Some want to talk about Solutions.

One area where we can focus our attention is on legislative actions at the State level.  On Monday October 15, Frank Gaffney and Christopher Holton of Center for Security Policy discussed six specific legislative solutions which need to be implemented at the state level.  The flagship legislation is titled American Laws for American Courts, but it is not the only one.  There are a series of legislative initiatives which will take several years to implement.  To hear about some of them, please enjoy watching the session we held on Monday October 15, 2012 in Fredericksburg, Virginia:

Please help us let our state legislators know you want to see American Laws for American Courts passed in your state legislature by signing the petition.  Click here to sign the petition.

 Written by: Scott Cooper

As we speed down the super-highway towards financial Armageddon, each of us must ask ourselves, as individuals – am I a giver or am I a taker?  Will I help prevent the collapse, or will I enhance it?    Am I okay with my grandkids having a lesser lifestyle, paying my debt so that I don’t have to sacrifice?