We are so isolated in our own little worlds, in our own little geographies, that it's pretty hard to understand where someone else is coming from. And so I think that we have to really think about what that means as a country and, frankly, whether this segregation that we have is durable over the long run.

As a culture, working-class white Americans like myself had no heroes. We loved the military but had no George S. Patton figure in the modern army. I doubt my neighbours could even name a high-ranking military officer.

We need to think about how we teach working-class children about not just hard skills, like reading and mathematics, but also soft skills, like conflict resolution and financial management.

People in my hometown voted for President Reagan - for many, like my grandpa, he was their first Republican - because he promised that tax cuts would bring higher wages and new jobs. It seemed he was right, so we voted for the next Republican promising tax cuts and job creation, George W. Bush. He wasn't right.

America's sanctions policy is largely consistent and, in a certain sense, admirable. By applying economic restraints, we label the most oppressive and dangerous governments in the world pariahs. We wash our hands of evil, declining to help despots finance their depredations, even at a cost to ourselves of some economic growth.

The debate we won't be having is whether or not the debt ceiling should be raised. We will not have a situation where people will hold the American economy hostage in order to achieve a specific agenda - at least not until 2013. So we think that is incredibly important as a matter of economic good.

Money was never a big motivation for me, except as a way to keep score. The real excitement is playing the game.

The first rule of personal finance is that it's not personal and it's not financial. It's about your ability to make ten changes and not get too depressed over it.