re: Fatherless Homes.

I recently counseled a young man whose biological father had fathered 11 kids with multiple women. This man was trying to get his life in order but had zero support structure. Its an epidemic.

Removing the earned income credit would help, but you have to incentivize the nuclear family as well. Making the child tax credit only available to married filing jointly might do something - but the child tax credit is not at the top of things that bother me.

If I were dictator for a day:

1. No limit on a dollar for dollar credit for adoption. One reason abortion is so rampant is that it costs $400 when an adoption costs $40,000.

2. Put a dollar limit and a time limit on the amount of welfare that any person can use in their lifetime.

3. Remove the earned income credit in its entirety.

4. Instead of having taxes taken out of your paycheck, you write a check quarterly.

5. Get rid of social security and make it easy for people to invest into retirement accounts. An EasyIRA program of sorts, that has limited, safe conservative choices.

6. No-fault Divorce should have the same shame that bankruptcy once did. It should be difficult, expensive and have far reaching consequences on one's status, employability and such.