In a era of commodity server hardware and zero license-cost software, it can often be more effective to scale an application across many machines rather than on ever-larger servers.

The effective address is, under the hood, always split into a pair of 32-bit registers; the high-order register is optional and if it's not specified, it is treated as zero.

The younger ones "pretty much have an effective savings rate of zero," as they often live at home which gives them more disposable income, Rein said.