Sorry, but I'm going to keep banging this home. Here's the Jed Report demonstrating why Hillary has virtually no chance to win. This race is over folks. There are a lot of people--mostly on cable news--making money by convincing us that Obama can't knock out Hillary. They are lying to you for ratings. This race has basically been over for two months now.
The US is particularly miserable at putting aside money for the future. Should we blame our paychecks or our psychology?