You're very right in what you say, but the reality is that most people in their 20s are only thinking about having fun and spending money on unnecessary things, of course it's something to do with education, I'm not saying it's wrong to have fun because it's obviously part of life too, but as long as you set priorities too. It would be great if we all looked at the future much more closely and worried about our old age but I think that's asking too much.