Well private money can take risks in a way that government money often isn't willing to.
Expectations are a form of first-class truth: If people believe it it's true.
Although my seat is a contest between Labour and the Lib Dems it could well...
Take free money. No matter how in debt you are if your employer offers a matching contribution on a 401(k) or other retirement vehicle you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.