John A. Jensen, Founder of FixTheNation.com
We spend a great amount of time, energy, passion, & intellect addressing this question - yet focus on the wrong word. Reform is obvious as we need efficiency, priorities, balance, vision, behaviors, & financial stability. Yet, we never commit to the WHY in any truly detailed, dedicated fashion.
Take a household- it needs a budget and stick to it. WHY? If not, they lose their home, belongings, etc. The WHY makes action on the budget happen.