I am with Tornado here – there is nothing wrong with young people, and the ones I work with certainly are not out clubbing every night.

They wouldn’t last very long if they were, although they do like a night out at the weekend. And why shouldn’t they?

It is pointless them saving for a home. With houses costing twice round here what they do in Tornado’s part of the world, they are never going to be able to afford to buy a home unless they take equity out of their parent’s property. There ability to save is hampered by having student loans to pay off as well.