About the contributor:Luke LloydLuke Lloyd is dedicated to improving clients’ financial paths and helping them achieve investment goals. He prides himself on being an extremely well-informed investment advisor, financial planner, and wealth manager, guiding clients towards their financial goals through retirement planning and portfolio returns. Learn more about Luke by clicking here!Schedule a 30 minute virtual meeting with Luke Lloyd Book NowLuke Lloyd joins Scott The Cow Guy and discusses his thoughts on how we got here in the first place in regards to moral hazard. What path are we on in America right now and where does it lead? Find out Luke’s thoughts below: