It has been my experience (as a young man of 26) that today's generation of young folks have a fundamental problem (caused by our culture and/or how they were raised): they expect to have all of the comforts of successful, middle-aged life... in their twenties. Before they've actually done anything.
That is, nowadays, people in their young twenties seem to think that it's their 'right' to have a new, sporty car; a nice apartment; a plasma-screen TV; vacations and steak dinners and a wallet full of credit cards that never run dry. Of course, reality often smacks them upside the head with a car payment they can't afford, an apartment they're strung out to pay for, and heaps of credit card debt. But y'know, they deserve it, right?