Even some of those who did do everything right like my son in law is
still buried so deep in college debt that his Masters degree and his
law degree are barely enough to pay his bills but that is a whole
other story.
I know lots of 20 somethings still living home with Mom and expecting
the world to come get them and make them rich some day. The other
problem, that drives my wife crazy is the 20-30 somethings who think
it is a god given right to manage their social network pages, shop and
surf the web at work. Sometimes the office internet connection is
crawling in the mud because there are a dozen people looking at cat
videos on You Tube. Needless to say viruses are a constant problem and
they have paid ransomware already to get the server back.
I would have fired someone over that but she says the lawyers said no,
not enough proof. (Even though the IT company tracked it back to one
computer and one non work related click).
If that happened at IBM when I was there, somebody would have been
carrying a box to the car with all of their personal **** in it, never
to return.