rizanqs, they are good in technology, but when it comes to finance and personal finance management, they fall behind the older generation. They spend money like water, spend money on the latest tech, when their current tech is good enough. Lots of unnecessary spending and they are more self centered, than the needs of family or their own children and wife. I do not think most younger generations these days have built up maturity. They are still heavily dependent and reliant on their parents. There dreams and talents are wasted with self-centre attitude and spending loads of time on their gadgets, rather than being constructive. There is already a trend where smart younger generations who are both constructive and balance their time well for family and their future growth has already put them on top of their generation and most have fallen behind, still being selfish and self-centred without care for their future. I think there will be a huge gap in the younger generation these days, the few smart ones will lead and the other will be robots, as long as their lives are well taken cared by the smart ones. Great Move on the younger generation, I am sure disagreements between smart and younger ones will ensue and possibly social unrest for the future.