"A new poll shows that two-thirds of American adults would have difficulty coming up with the money to cover a $1,000 emergency expense. 75% of Americans earning less than $50,000 a year say they would have trouble with that; 67% of those making between $50,000 and $100,000 a year say the same thing; and even 38% of households making more than $100,000 a year say they'd have difficulty coming up with the thousand bucks. That's just stunning! It all goes back to how Americans view money. We don't save, we're not frugal, we want immediate gratification. For those viewers who understand American culture, the survey is not shocking. My parents were children when the Great Depression hit, and that scared the heck out of them. Depression kids carried on a tradition that money was never to be wasted. During World War II most civilians did what they could to help the military, they weren't thinking that much about making money. There was a greater cause. I grew up in Levittown, New York, where housing was cheap, especially for veterans who got low-cost mortgages. Very few of us in the neighborhood had anything, it was very working class. My parents never had a new car, our house never had air conditioning. That kind of upbringing meant that all financial transactions were scrutinized. Money was never to be wasted, ever. That value system is deeply rooted in me, but I realize that most Americans want 'stuff,' especially younger Americans. And many of them feel they are entitled and should be provided with everything they desire. A new study shows that 51% of young Americans do not support capitalism, while another poll indicates that 35% of Americans have a positive view of socialism. Those who want socialism have no idea what that system means. It would lead to disaster here in America, it goes against the very nature of most people to tell them how to lead their lives. I don't want Bernie Sanders or anyone else taking more than half of my earnings to use for dubious social experiments or handouts to those who are not in need. Capitalism has made America the most prosperous nation on earth, giving opportunity to people who are willing to work hard. We all should wise up and practice financial responsibility. Save, invest conservatively, and build some protection for yourself."

The Factor asked Charles Krauthammer to analyze the lack of savings among many Americans. "We're known for having one of the lowest saving rates on earth," he pointed out. "The Japanese and Europeans save a lot, but we don't, and with the ease of credit and interest rates essentially zero, the temptation to borrow is irresistible. This is a response to incentives, and it is also about the power of advertising, which creates needs." The Factor stressed, "There is a destructive element in putting yourself in a position where you don't have a thousand bucks for an emergency situation." Turning to politics, Krauthammer contended that Hillary Clinton was very wise to forego any further debates with Bernie Sanders.

A small group of veterans demonstrated against Donald Trump Monday in New York City, complaining that he had misled the public about donations he pledged to a vets group. But it has come to light that that the Clinton campaign helped organize the protest. Republican Katie Pavlich and Democrat Mary Anne Marsh elaborated on the story. "The problem here is that Hillary Clinton's campaign actually helped orchestrate this," Pavlich groused. "Veterans support Donald Trump over Hillary Clinton by a margin of two-to-one, they are very disappointed in the way she handled foreign policy." But Marsh defended the Clinton campaign's role in helping the protest leader. "He approached the campaign, which is standard practice, and the campaign was happy to help him. There is nothing wrong with that, there is nothing nefarious about this."

Legal aces Lis Wiehl and Kimberly Guilfoyle analyzed the case against Bill Cosby, who will stand trial in Pennsylvania on charges that he drugged and sexually assaulted a woman in 2004. "This woman tried to bring criminal charges ten years ago," Wiehl reported, "but the authorities said there was not enough evidence. But when she brought this as a civil complaint, he admitted giving women Quaaludes. The prosecution will try to get as many of the other women to testify." Guilfoyle added that Cosby faces very serious charges. "There are many times when a civil case is followed by a criminal charge, and Cosby's statements in the deposition could be used against him in court. He faces three felony charges and up to twenty years behind bars."

The legal duo returned to scrutinize the case of Veterans Affairs boss Bob McDonald, who has apologized for comparing waits at VA hospitals to long lines at amusement parks. "I think it was a stupid comment to make," Wiehl stated, "but he shouldn't be forced to resign. Everyone gets to make one stupid comment, even though there are people dying while waiting for care." Guilfoyle elaborated on what eligible veterans are owed by the VA. "Veterans are entitled to a whole host of services," she explained. "They're entitled to counseling, medication, operations, and medical care for free. But the wait times have been a problem."

A wealthy donor has given the University of Miami $2.2 million to establish a 'Chair for the Study of Atheism.' The Factor turned Bernard McGuirk and Greg Gutfeld loose on the story. "He says he wants to eliminate discrimination against atheists," McGuirk said. "Is everyone a bed-wetting, thumb-sucking victim in this country? The idea here is to stress that not believing in God doesn't preclude you from being a good and moral person." Gutfeld actually sounded like he's ready to audit the class. "There is bias against atheism. The American public would just as soon elect a Muslim president as an atheist, 43% say they would never vote for an atheist. I don't understand why people are so afraid of learning about atheism."

Phil Palmeri, Raleigh, NC: "Kirsten Powers' view that young children showering with trangenders is not alarming shows just how pathetic things have become in America. And you are right, Bill, this is all about the progressive view that there should be no difference in gender."

Mindy Credi, Chicago, IL: "Bill, few middle schoolers shower in a locker room. Besides, the human body is beautiful."

Ann Martin, Charlotte, NC: "O'Reilly, thank you for covering this issue. Finally, someone voices the concern that privacy rights of the majority should be respected."

Aldo Zuppichini, Fort Lee, NJ: "I do not want my 11-year-old daughter showering with a person that has different private parts. Common sense."

What ticks you off? Disparities in our justice system? Airline chaos? Public schools? Whatever is at the top of your own list, fight to improve things every chance you get.