Lots of great points made here. IMO it has to be about your goals. Where do you want to be financially? How long might it take to get there? If you are struggling with money, or not saving as much as you'd like there are two options:
Earn more (part time job, more hours, career change)
or
Spend less (cut down on eating out, fancy gadgets etc)
I deal with people of all sorts of different backgrounds and the general consensus is that my generation has the 'I need it right effin now!' attitude. This is why people have stupid amounts of debt and little to no savings.
Here is the golden nugget though, I have showed many clients a plan that will (insert any goal to be acheived) in x amount of years. And the one variable I cannot account for is discipline. At the heart of it all you have to be committed to reaching whatever goal it is you set.
You also have to make changes to your goals as you go along because your life will change (marriage, kids, etc).
I think all the points here sum it up though, you gotta change the staus quo and then stick to it. Most likely will be a drastic change, but well worth it.
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