Americans are so rich that it's hard to imagine for someone who lives in Spain. I personally can store in savings about 100k per year. My 401k plan will be worth about 8 million USD in 10 years. 

In short, 18k is pocket change for anyone but the peasants and who gives a shit about those people am I right? Not conservatives, not neo-cons, they sure as fuck don't. Americans are pants on head retarded "pull yerself up by yer buttstraps" morons and the leftist Americans are frauds and faggots that have absolutely 0 credibility and never accomplish anything.

So ultimately, that's why America doesn't have healthcare. 

Did I mention niggers yet? That's also a great reason why we can't have nice things. You can't have anything nice when 10% of your population is living in 3rd world conditions.