Going back to the moon is a great way to practice living outside of Earth before going to Mars and other exoplanets. Settling on the moon is not a waste of money. While using the moon as a backup home is not a good idea, using it for practice is.
I have always been fascinated by space exploration and the moon. But seeing that NASA has a major lack of money, going to the moon seems like a very bad idea. Even if they were backed by the government, going to the moon would still be a waste of money. Our government is in debt, we shouldn't waste money on something we don't need.