? If you have a birthday today, then happy birthday to you too.

Well, what else is going on? So Biden wants to forgive some student loans, up to ten thousand dollars. Yeah, what do you think of that? May I say the thing that everyone must say at least once? May I put on my NPC hat and say the most obvious thing that you can say? Or would you like to say it for me? Because I feel like there's some weird requirement that if you talk about this topic, you have to say what everybody is thinking, even though everybody's thinking it. Should I even need to say anything? Buying votes.

Let's say, what about the people who don't get any loan forgiveness? What about them? Now the point is good. I'm not arguing the point is bad. But how many times do I have to hear it? Really, do I have to keep hearing people say that other people are not getting a benefit?

May I put this in context for you? Every change to taxes screws somebody. There's no exception to that. All you had to know is that it was a change in the tax rates or something got added to the tax base or something taxpayers had to pay for, or somebody got a tax break or somebody got a tax increase. Every change screws somebody.

So if your complaint is that a group of people got screwed, that's not really an argument, because every change, as well as the current situation, screws somebody. Right? So you can say you don't like it because it screws you. That would be a good opinion. This screws me. I pay more but I don't get anything from it. A lot of people are saying that. That's a perfectly reasonable thing to say.

But if you think you have some philosophical argument about it, you don't. You don't. Because the philosophical argument against this, that it's unfair, is exactly the same argument for every part of the tax code. Any change, any current situation, they're all unfair. You can't make a fair tax code.

Now some of you can say yes you can, flat tax. That's not fair. The flat tax is not fair. It's just a different way to do it. There's literally no way for everybody to give something that they consider fair. Fairness isn't even a thing. It's literally an imaginary concept that can never be achieved. So there's that.

Here's what I would suggest. If you don't like this ten thousand dollar break for people, and the reasons are perfectly valid by the way, if your reason is it's unnecessary, it helps the wrong people, that's a good argument. But it also applies to everything else that we do in taxation.

Here's how I think we should handle it. If you don't like