Some of us older people saw it for the Ponzi scheme it was a long time ago. If we could, we scrimped and saved and checked out of it as early as possible. The FIRE movement (and minimalism) gave a fresh name and a bit of cachet to something that used to be a rather fringe belief in frugality and simplicity. The earth will thank you and your generation for finally embracing some semblance of sanity. I just hope it’s not way too late.