You're smarter than your parents, you're better at saving, and you're not stupid enough to take out a second mortgage to finance an extension on the house – congrats! It's not exactly hard to figure out with today's millenials are looking at their parents as examples of what NOT to do following the financial melt-down and recession. What's suprising is the fact that many of you are actually SAVING your pennies for a rainy day, avoiding credit card debt, and investing in your future retirement.

In a survey provided by U.S. News & World Report, 18-34 year-olds are not only more careful with their money than older folks, they're also more optimistic about their future finances and not afraid to use technology to school themselves on the finer points of getting more bang for their bucks.

What does this mean for the rest of us who scrape by each month, live for quarter draft night, and think nothing of dropping a few hundred bucks on a totally hot outfit? Um…glad we have rich friends with ample couch space.