One thing I have noticed about kids and young adults is they want to have everything now, and tend to be very consumption/debt oriented without any thought to the future. Life has been very good to most of them so far, but they seem to expect/demand that someone (relatives/government) will always be there to protect/provide for them if they screw up. They have a rude awakening coming, and may be the first generation whose standard of living falls short of their parents (the reverse of the American Dream).