Matt and Brad DeLong complain that you can't read ebooks in the bathtub. Au contraire, ma frere--simply apply one (1) Zip-Loc baggie, and Bob's your uncle. Indeed, it's actually better, because the Kindle doesn't get all soggy. My Kindle remains one of my favorite pieces of equipment.
The US is particularly miserable at putting aside money for the future. Should we blame our paychecks or our psychology?