People splurging money on unnecessary things was a very common scene till recent past. It was more obvious with the young in their early twenties and initial stages of their career graphs. They don't do much with the salary credited to their accounts other than spending it. Certainly, times have changed. The recent financial crisis has taught us good lessons. Many were hit by the upshots of the catastrophe. Many have lost their jobs. They would not have expected the situations they are in. We never know how times would turn.