<prompt> Human: I dont have a WSJ subscription, but the key numbers that I can see... US data:Adults under age 35 have a savings rate of -2Adults 35 to 44 have a savings rate of 3Adults 45 to 54 have a savings rate of 6Adults over 55 have a savings rate of 13Im curious as to what is behind this trend. The article starts by saying that young Americans have stopped saving, which to me implies that the savings rate used to be positive for this demographic. Its also interesting to note the upward trend in savings rate as you get older. I would reckon this is due to earning more money while expenses become more stable. What do you think?  <response>: Student loans truly are the curse of the Millennial generation. 