Taxes; one thing bothering me, particularly at election time, are bonds. We seem to pass bonds, which are technically not a tax but added to our property tax bill, by an overwhelming vote. Oddly, then many people complain their property taxes went up. LOL. The thing is, a lot of the new bonds are not about building libraries or improving parks, but about doing maintenance on public building and public schools. These are things that should be paid by taxes. In the current climate no politician want to raise taxes, so they're looking for ways to get the money without calling it a tax. IMO, get rid of most taxes except what comes out of my check. I believe there will be better accountability then.\n\nI also know plenty of friends who own small businesses doing very VERY well, regardless of everything you mention, and they complain about too. It's part of the game. Amazon paid on the way up and pay now. My friends know they're doing better off than if they went to work for the man. There's also plenty of loopholes and benefits.\n\nA friend of mine just got on ACA, his rates went down and his coverage went up compared to the company he previously worked for. Which was not a small company. Quite the opposite of your friends experience. While I won't argue ACA is a perfect system, it is a step in the right direction. Furthermore, I never believed they can pass a bill this big and get it 100% correct. I am confused on the hate considering most of us will end up on medicaid, which costs are far exceeding inflation and the money will have to come from somewhere. Why are so many people are against their own interest? In the eighties as a single person my insurance was quite inexpensive; a small amount taken out of my check and low copay. That was it. Now, quite a bit comes out of my check, my copay is 4x. On top of that the plan is an 80\/20 until you reach a total amount; add that on top of my copay. I went from $5 copay to hundred plus a visit. My biggest concern on retirement is rising medical costs.\n\nA couple of problems with capitalism is monopolies, or duopolies and triopolies. When there's so few competitors the tendency is to work together rather than compete. Medical kind of falls into this as Dr's charge "fair and customary." There's never been real competition in the medical field. What even annoys me more it's become such a closed system there's no such thing as customer satisfaction. This is truest with specialists. There's often only a couple of these clinics in town and they know your stuck with them. They treat you bad, but what are you to do? There's nowhere to go and it takes so long just to get in.