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}A daily digest of opinions and analysisDepriving the Well-Off Won't Help the Working ClassForget the 1 percent: The top 20 percent is to blame for rising inequality, according to the provocative book "Dream Hoarders," which cites unpaid internships, legacy admissions, and other perks of the "merely" affluent. But Noah Smith says the problem isn't people hogging spots in the upper middle class — it's that there aren't enough spots to begin with. Save for Retirement First; Then Think About the College FundMore than two-thirds of U.S. families prioritize saving for college over their own golden years — an approach Megan McArdle warns is backward. Don't worry about appearing selfish: It's easy to borrow for college, but it's not so easy to borrow for the decades after your working life.Republicans Need Tax Principles. Like These.Smart reform isn't just about getting details right. It should also be guided by big-picture goals. Michael Strain offers a few ideas for high-minded tax reformers who haven't lost sight of the bigger picture. Alabama Is a Race Worth Losing for DemocratsFrancis Wilkinson has one message for Dems about Alabama's special election: Just because you can't win doesn't mean you shouldn't play. Yes, the fiery (some might say "theocratic") Republican Roy Moore will likely gain Jeff Sessions's old Senate seat. But Wilkinson sees four reasons for Democrats to go down swinging. Breaking the Plastic Surgery TabooMegyn Kelly sparked a furor last week by asking Jane Fonda about her cosmetic surgery. But it was a good question! Virginia Postrel argues the real villains aren't nosy journalists, but stars who keep surgery stigma alive with their little white lies.Before it's here, it's on the Bloomberg Terminal. Find out how the Terminal delivers information and analysis that financial professionals can't find anywhere else. Learn more.Ritholtz's ReadsThe story of the USS pension fiasco (Institutional Investor)The real problem with credit reports is the astounding number of errors (Brookings)Hedge funds keep accidentally naming themselves after gory, swindling, incestuous Greek gods (Quartz)(Read Barry Ritholtz's full daily news roundup here.) Bloomberg GadflyWarren Buffett finally gets tough on Wells FargoEquifax can't protect data, but it can keep a secretApple, Wall Street and Hollywood are lost in translation(Read more from BV’s sister site for fast business commentary.)Bloomberg L.P. ● 731 Lexington Avenue, New York, NY 10022Web ● Facebook ● TwitterFeedback ● Unsubscribe

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