What would you do if you had to pay for a $400 emergency? According to a recent survey, 47 percent of Americans could not foot the bill. This is disturbing. Neal Gabler investigates why many middle-class people have financial problems (over-consumption, credit cards, financial illiteracy, wage stagnation, and more). Though I agree with this author’s argument, I don’t have empathy for him: a college-educated professional whose challenges seem self-imposed. Mr. Gabler comes across as entitled and annoying.