When money is in short supply, people need to be reminded of the term “ opportunity cost of money”. since most eschew technical definitions, an example would be a 20 year old buying a new car. If it costs $40K, not only have they spent that money, all future earnings from that money has been lost to immediate gratification. Want to know how all the old folks can afford to buy new cars? They waited, saved and sacrificed, and didn’t buy new cars at 20 years old. I’m not old, and even I know that. The “I want it all” generation is about to get “nothing” and be forced to like it.