A Congolese baby lays at a local hospital in Rutchuro on November 03, 2008 in the North Kivu region of DR Congo. A UN convoy carrying medicinal aid has arrived in rebel-held areas of east Congo as tens of thousands of refugees and internally-displaced people have fleed their homes amidst reports of Congolese rebels looting and burning refugee camps in this war-torn African nation. By Uriel Sinai/Getty.
The US is particularly miserable at putting aside money for the future. Should we blame our paychecks or our psychology?