When was the last time you heard that saying? Chances are it was from your grandparents. Turns out our parents’ generation did a lousy job at saving, and our generation’s not doing any better. That’s one of the reasons that the economy’s in such a mess. (You don’t need to know me well to figure out that I dropped grade twelve Economics and that my idea of saving is subscribing to loyalty programs that help to justify my healthy retail habits, but even I understand the basic problems with the sub-prime crisis and ensuing stock-market crash, job losses and economic misery).