This question has been bouncing around with me for a while. A lot of us here on the budget board complain about folks walking around with "entitlement" issues but personally I always think it's a monster we created. I mentor 18-19 year old girls in the Philly/NJ area. These girls come from solid middle class average families. Let me tell you about the average girl 1) every last one of them has some type of designer bag (coach, louie, fendi) 2) every last one of them has the latest cell phone. I've met a number of their parents who then complain about $200 bills but when you suggest they cut the phone off, you always get the ridiculous excuse "they need it for emergencies". Honey, 200 bucks did not come from an emergency. 3) all of them spend weekends at the Jersey shore for recreation. 4) not one has a job 5) All or most routinely get nails done and don't get me started on proms and senior trips. 6) quite a few have credit cards. Now if this is the average american teen, do we really expect them to morph into young adults who will "wait" to earn luxuries? Are we really shocked when they buy a $200K "starter" home? I just don't understand why we are so shocked?