If I use my credit card to the limit -- max it out -- I have a problem and must pay off the balance at high interest. The American government has maxed out its (our) credit card by trillions. The Senate has not even passed a budget in over three years. If we operated like that, we would lose everything.

Rep. Kevin McCarthy seems to be one of the few that understands money matters and can make his books balance. I thank The Californian for printing the article ("McCarthy talks 'fiscal cliff,' guns and role as whip," Jan. 13) about his endeavors.

Tom Edmonds

Bakersfield