In all seriousness, if grammar is that interesting, I can start a post each day where we can list and debate my grammatical errors. I'm not being sarcastic. If people will post, debate and are interested, I would do it. I get to get better, generate some traffic and the threads don't get diverted. Up to you guys.
The U.S. is particularly miserable at putting aside money for the future. Should we blame our paychecks or our psychology?