Dear President Obama

Folks are tapped out and I have a few suggestions that you've probably heard already.

1. If someone needs to take money out of their retirement account to pay rent or health care or college or to live on if their investments tanked, they should be able to without penalty.
2. Give folks who owe taxes a break on penalties and interest. When folks have been bled dry, when they can't get work to help pay back taxes, what do you expect them to do?
   

thanks for listening.