To a teenager, 30 is old, 40 is ancient, and folks over 50 made stone arrowheads.

Worse, the gap between older people and younger people has broadened with technology. Our best financial lessons can be as out of step as a senior citizen at a rave: “All you need to do junior, is invest just $100 per month. By the time you’re old enough to wear diapers again, you’ll have a million dollars.” We don’t mention the word diaper, but when kids think of delaying gratification until the seventh decade of life, that’s what they hear.

Rather than trying to reduce personal finance to a 140 character text message, I’d like to suggest an alternative:

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