I think the new 20ers are mostly well educated like you and holds more professional jobs than previous generations. Look at yourself, with just four, five years out of college, you are making more money than most of the people in San Diego. I am not sure of the percentage but you are at least in the top 5% of all SanDiegans. With you are so young and early in your career, you have better days ahead of you. I think this new generation are more confident with themselves and will have a bright future.
