A commenter in the last post asks what I use for making coffee. The answer is this Cuisinart model, which uses an internal carafe. It makes good coffee, keeps it hot without that burned flavor because the carafe is internal, and has a little gauge to tell you how much coffee is left. Less mess, better coffee, and it's a huge hit at brunch.
The US is particularly miserable at putting aside money for the future. Should we blame our paychecks or our psychology?