My grammar is really bad. But you can't really learn French without learning the grammar. I have spent the last two weeks trying to discern the difference between le complemente d'object direct and le complemente d'object indirect and les verbs transitif et intransitif. It's been grueling work for my 37-year old brain. But it's also been immensely rewarding. It's like watching the dissection of a language, and thus the folkways of a people.
The US is particularly miserable at putting aside money for the future. Should we blame our paychecks or our psychology?