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Snatchel, tell Sam you know a self-employed small businessman who is just scraping by, who wrote two checks to the IRS this year. One was a check for $13,181.00 which was paid out of his retirement account on October 15, at the end of the late filing period. The payment was late because the bookkeeper your friend had hired had completely screwed up his books, and it took 6 months to get it all sorted out. The other check was for an IRS invoice which arrived 2 weeks later for $599.00 for "interest and penalties" for not having had my tax situation figured out by April 15. That's a total of $13,780.00. That self employed businessman cannot afford health insurance, so he is going to have to pay a Obamacare penalty in 2013. That $13,780.00 would have bought him a VERY GOOD health insurance plan with money left over. The money left over could have been used to hire someone like Sam part time to help your friend get his work out faster.

Instead, that $13,780.00 will be used to give free stuff to people who don't work, and health insurance to other people while your friend goes without it, etc., etc., etc.

Tell Sam that until he stops thinking about what he can TAKE instead of what he can GIVE, he will never have what it takes to be a business owner or a leader in his community. Tell him that the road to success is not for the faint of heart. Cowboy up.