A Muslim pilgrim from Egypt washes his arms in preparation for a night prayer at Namira mosque, Mount Arafat, southeast of the Saudi holy city of Mecca, on December 6, 2008. Around two million Muslim pilgrims have flocked to the holy city of Mecca for the annual hajj pilgrimage. Khaled Desouki/Getty.
The US is particularly miserable at putting aside money for the future. Should we blame our paychecks or our psychology?