Frugality

I agree:

Too many 22-year-olds expect to start their adult lives at their parents' level of material satisfaction, without the 30 years of labor it took them to get there. Our world of easy credit and mysteriously glamorous TV apartments says you can have it all now. But live like you're entitled to your parents' finances, and you'll be back living with them soon enough. Live within your means, though, and you'll achieve financial independence before the naysayers say it's possible.