Adam Serwer posts a video that basically nails what it's like to be black and moving into the professional class, complete with the awkward "I'm not a racist" disclaimer. What's amazing about this disclaimer is how it always emerges as a defense to a charge that isn't actually being made. The host accuses her of being off-topic. Her defense is "Oh, I'm sorry. But I'm not a racist."
The US is particularly miserable at putting aside money for the future. Should we blame our paychecks or our psychology?