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May I get personal with you for a second?

What are you going to do with that tax rebate that's on the way? You know what I'm talking about, the 300 to 600 smackers Uncle Sam will start mailing out to taxpayers next month.

Are you planning to save it? Invest it? Spend it? Inquiring minds want to know. Especially in Washington where they want to see you spend it. Because the more you spend, the more it helps the economy, the quicker it gets us out of this slowdown mess.

But the whole subliminal, and not-so-subliminal, push bothers me. As if what we do with our money is anyone's business but ours?

Take the tax cut. The argument against it, in the first place, was that we wouldn't know what to do with it. That a lot of us would just blow it, or waste it.

Let me see if I got this right: Washington is worried about how we're going to spend money? That would be like me lecturing someone in a bakeshop to cool it on the cannolis. What arrogance.

Gifts shouldn't come with strings attached, especially when they're not gifts. And you, Washington, didn't pay for them — we did.

I've said it before, and I'll say it again: I'd much sooner trust us with our money, than Washington with our money.

Yes, there are some things Washington does right. Sending our money back should be one of them. We'll take it from there. What we do with it, I don't know. But this much I do know, Washington: the economy will be far better off with that dough in our hands than your hands.

If we spend it, the economy jumps. If we bank it, lending jumps. And if we invest it, Wall Street jumps.

So quit worrying about what stupid taxpayers will do with their money. And start worrying about what you're doing with yours.

- 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