This was the take home message of my latest NPR Commentary. The caption focuses largely on black America’s debt. And our debt is growing. But what folks really need to get with is the fact that this is an American condition. Black people are always talking about how we spend money on frivolous stuff like Cadillacs and Air Jordans instead of stocks and bonds (preferably black stocks and bonds). Well…check that. Black people don’t talk about it, black pundits (like Tavis) do. That’s not the reality though.