already, I just have to link to this; it's too good not to:
You know what really breaks the ‘bad financial cycle’? Quit waiting around for the government to come and make your life better. Quit waiting around for the government to punish somebody who has more stuff than you. Government is not Robin Hood, robbing from the rich to give to the poor. Government is a giant, forceful, idiotic brute that clubs everybody indiscriminately, punishes success, and rewards stupidity, all while being cheered on by fools.