Some. Most do not. San Francisco's economy relies on young people not realizing the importance of saving, and the consequent willingness to spend to the bone.

Some. Most do not. San Francisco's economy relies on young people not realizing the importance of saving, and the consequent willingness to spend to the bone. In some cases the importance of saving is realized, but offset by the certainty that they're going to cash out huge Any Day Now(tm).