they would be far more likely to be able to save for big things like deposits for a house. I work with people of a wide age range. Those in their 20's and 30's bemoan the fact that they cant afford to buy a house/car/other large item. however, these are the people who visit the beautician regularly for nails/waxing/highlighting/tanning, buy at least a couple of items of clothing per week, and go on expensive holidays/change their phone as soon as a new one comes out..............have they never heard of saving, will the world end if they dont get their nails done, or use a good old bic razor. And are a couple of holidays a year essential. I may be a bit old fashioned, but i managed to do without any of these things, and it never did me any harm!!!