As uncertain as our retirement futures appear BUSINESS, July 29, I am deeply bothered by the financial wastefulness and frivolousness of American households, as illustrated by .
The latter is an unpleasant word carrying a hint of inconsequence, whim, frivolousness and lack of permanence.
Then you take the whole thing and divide it by another made-up number from 1 to 10 that would rate the person's frivolousness, so that Miley Cyrus won't win.