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There will always be money. It will always look for a home.

If our budget deficit explodes and taxes overwhelm us because of Medicare, the money that's left -- and there will be some -- will seek that home. Perhaps we will be like the Argentines and Brazilians in the1980s who sent their money here. Perhaps it will be like the Americans in the 1920s who sent their money to Paris because it was fiscally the most conservative with the fastest-rallying stock market. Perhaps it will be in real estate or gold because people sense chaos, and the former (if high end) holds value and the latter is eternal because people believe in it. Always.

Or it could just go to Australia and Canada, two countries with wealthier populaces that don't drain the treasury.

Or it could just go to

Altria

(MO) - Get Report

,

Kinder Morgan Partners

(KMP)

and

Dominion

(D) - Get Report

.

I hear the bulls talking about industrial production, driven by autos and China, and I hear the bears talking about Nancy Pelosi and the desire to sneak legislation through a process that is meant to check legislation so the minority isn't disenfranchised.

Remember, I think the latter wins. Which means all of those alternatives make more sense to me. You have a Canadian bank yielding 4% with growth prospects and you have a U.S. bank yielding next to nothing with growth prospects hanging on Congress' every word. Well, you get the picture.

Thirty percent foreign is not too much if the agenda passes. Ten percent gold is not too much. Ten percent in natural resource stocks that benefit from Chinese growth. The rest in some cash, some higher-dividend yielding stocks and a handful -- 15%? -- in the fast Internet/smartphone/cloud computing game.

That will about do it.

At the time of publication, Cramer was long Altria. Jim Cramer, co-founder and chairman of TheStreet.com, writes daily market commentary for TheStreet.com's RealMoney and runs the charitable trust portfolio,

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. He also participates in video segments on TheStreet.com TV and serves as host of CNBC's "Mad Money" television program.

Mr. Cramer graduated magna cum laude from Harvard College, where he was president of The Harvard Crimson. He worked as a journalist at the Tallahassee Democrat and the Los Angeles Herald Examiner, covering everything from sports to homicide before moving to New York to help start American Lawyer magazine. After a three-year stint, Mr. Cramer entered Harvard Law School and received his J.D. in 1984. Instead of practicing law, however, he joined Goldman Sachs, where he worked in sales and trading. In 1987, he left Goldman to start his own hedge fund. While he worked at his fund, Mr. Cramer helped start Smart Money for Dow Jones and then, in 1996, he co-founded TheStreet.com, of which he is chairman and where he has served as a columnist and contributor since. In 2000, Mr. Cramer retired from active money management to embrace media full time, including radio and television.

Mr. Cramer is the author of "

Confessions of a Street Addict

," "You Got Screwed," "Jim Cramer's Real Money," "Jim Cramer's Mad Money," "Jim Cramer's Stay Mad for Life" and, most recently, "Jim Cramer's Getting Back to Even." He has written for Time magazine and New York magazine and has been featured on CBS' 60 Minutes, NBC's Nightly News with Brian Williams, Meet the Press, Today, The Tonight Show, Late Night and MSNBC's Morning Joe.