Until very recently, one of the most striking things about our economy was how common it was for young people to make a lot of money quickly. For nearly 20 years, except for a year or two in the early 90's, a college student has been able to gaze out of his dorm-room window and see a well-traveled path to millions. His ability to imagine himself getting very rich very quickly was an ingredient in the modern money culture. ...

That's what 27-year-olds did, strike it rich.

This youthward shift in moneymaking has had all sorts of strange social effects. ...