For the people who I know my age range and younger, the expectation is IF anyone chooses to have children, is to wait awhile to have lst child..meaning well into late 20's and early 30's.

It astounds me to see/hear of many university students, not yet completing their studies and going on vacation in Europe.

Then later they, complain being serious debt. Well they were still in debt before any trip overseas so why spend a pile more money on top. I do think the credit card use among young'uns is WAY bigger now than when I was in my 20's with my peers (that over 30 yrs. ago)/awareness of how they spent their money and paid for stuff.

I'm wondering this is all contributing a great deal more to credit card/personal debt.