I love how people are coming out now and saying that the tax rebate was a bad idea because it hasn't helped the economy:

We're still struggling. Businesses are still hurting. The market's still falling.

Excuse me?

Since when is it law that you have to justify what you do with your own money? What arrogance! You didn't spend as much as we thought you would, so we shouldn't have given it to you.

What!

Let me tell you something, Washington. If I've said it once, I've said it a thousand times: If I want to buy 300 Elvis paintings with my rebate money, that's my call, not yours.

You just don't seem to get it. This isn't money we have to prove we earn. It's money that we earned, period. Not you. Some might look at that as your gift to us. I see it as an overpayment on my gift to you.

It's a very slippery slope, my friends, when we have to go through hoops to justify what we do with our dough … because they're saying that we won't get any more dough if we don't do more with that dough.

That's arrogance. That's obnoxious. And that's wrong.

Whether we save it, spend it — or frankly — burn it, it's better in our hot, little hands than in their callous claws.

So save the lectures for kids. The problem isn't whether we're doing less with more. It's whether you're up to doing more with less.

Watch Neil Cavuto's Common Sense weekdays at 4 p.m. ET on Your World with Neil Cavuto.  And send your comments to: cavuto@foxnews.com

Neil Cavuto serves as senior vice president, anchor and managing editor for both FOX News Channel (FNC) and FOX Business Network (FBN). He is anchor of FNC's Your World with Cavuto - the number one rated cable news program for the 4 p.m. timeslot - as well as the FNC Saturday show Cavuto on Business. He also hosts Cavuto on FBN weeknights at 8 p.m. In addition to anchoring daily programs and breaking news specials on FNC and FBN, Cavuto oversees business news content for both networks and FNC's weekend business shows, including Bulls & Bears, Forbes on Fox, and Cashin' In. Click here for more on Neil Cavuto.