In 1816, Thomas Jefferson wrote, "[T]o preserve [the people's] independence, we must not let our rulers load us with perpetual debt. We must make our election between economy and liberty, or profusion and servitude." 1 Today, make no mistake, the American people are heading toward a national debt overload, and many experts agree our federal government is on an unsustainable fiscal and economic path with no end in sight. As one of the very few Certified Public Accountants ever