Do those who lament the gap between generations truly believe that all millennials / gen-z people are the same entitled, daft sods that the frequent generalisations would have us believe? Like any generation, there are savvy people and less savvy people. According to my memory, there was limited option for mobile phone contracts and car leasing when I was in my 20s so I didn't spend any money on those things. My own children, millennials both, also spend no money on those things because they buy a cheap phone outright, get a good SIM-only deal and don't drive because they don't need to. I don't believe they are uniquely smart in spending their hard-earned wisely.