[Abby10]

I have to agree with several of the points already made on this thread. The kids that will make it and do well will have to live "smart". Frugality, not feeling entitled to having the latest and greatest, considering ways outside of the box to save money, and hard work are all part of it. Unfortunately too many, even in my generation, have little to no self-control and live very materialistic lifestyles. Then when they approach retirement age, they wonder how the rest of us can afford to get a place in Florida and retire early. All one has to do is look back at how one lived their lives in their accumulation years for the answer in most cases.

I also think a big factor with the 30's age group has been difficulty in getting a decent, consistent job. Too many applying for too few positions. Hopefully the upswing we are seeing will continue for them and that will begin to change.