Generation X and Generation XYZ have to keep saving their money, invest wisely and think for the long term and don't spent their money on foolishness like new cars, leasing new cars, building Mc Mansions, eating out everyday and thinking that they are Brad, Angelina, Madonna, Jay-Z, Beyonce, Magic Johnson, Michael Jordan. Money does not grow on trees and as the economy improves and jobs return, Americans must increase their savings and do not revert to the bad old days of living on Credit and a dream. Cook for yourself, buy a used car, educate yourself on investing, read Financial publications or visit them online like Bloomberg, Wall Street Journal, FOX Business News, Forbes. Observe how people save and invest. Be frugal and patient.