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.
雷恩认为，年轻一辈中相当多人的有效储蓄率为零，因为他们常常住在家里，这让他们有了更多的可支配收入。
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They live permanently in a world of zero credit: if you are a hustler, you can't go and see your bank manager and get a loan, so the best ones are virtuosos at managing cash flow.