I've always been a good kid.

We can no longer waste time and money. Every day, more than 2,000 girls in America, age 15-19, give birth - in the wealthiest, most educated nation in the world! Neither you nor I should accept this statistic.

Credit or debit cards, for starters, are nothing short of shoppers' Novocain. Even in the age of digital purchases and virtual money, we still attach a special value to dirty paper with pictures of presidents on it. Handing some of that to a cashier simply hurts more than handing over a little sliver of plastic.