catalina island in california, a very popular vacation destination for a lot of young people. anything with each and sand and water is a good destination and a nifty alternative to simply in a boring way saving our money and not having any fun at all. in fact, it is such a trend that is getting out of hand that a lot of them are racking up debt to do it the ark is not isolated to the young and the restless, plenty of old folks do the sames a pattern alone among the young who are restless. very good at personal finance come he tries to reach out to young people to simply tell them quietly, will you stop spending money like crazy! anyway, george, very good to have you. what's going on here? we just heard stories about some young people who are really tightening the belt and really being careful, but apparently not all of them. >> oh, absolutely. i won't yell, might want to give them a hug and say, i get it, it's hard, you want to enjoy life, but what this has really turned into, neil, is this ten mentality where the stats are showing us they're not only willing to spend more tha