Goldman Sachs has analyzed the spending habits of Millennials and are reaching out to spread the news using the hippest technology it can find , emoji . The multinational released macroeconomic insights into the way that people born in the 1980s and 1990s are buying houses , getting married and using phone apps . However , the firm , which had more than $ 34.5billion in revenue last year , took the time to condense its findings from Millenials : Coming of Age into a series of 22 cartoon characters on Twitter . Goldman Sachs , which had more than $ 34.5billion in revenue last year , condensed the life of many Millennials into a string of emojis . Goldman 's insights put numbers to well-known trends about Millenials such as the fact that they are holding off on large purchases such as houses , are waiting to get married and buying more products online . The emoji version of a twenty- or thirty-something 's life begins with a fresh-faced young boy cartoon added to a stack of books representing his education . When added together this leads to graduation , but a cancel sign next to a tie , presumably referencing graduates ' increased difficulties in finding full-time employment in their fields after their studies . Instead , Millennials are met with curved arrow emoji that leads them back to their parents ' houses . A series of six clocks the represent how the generation is taking longer than its forerunners to reach milestones such as getting a stable career , getting married , having kids and buying a home , the last six emoji . The tweet also used the hashtags # millennial and # economy . Other insights include the fact that younger consumers are using 'sharing economy ' apps to access cars and music without buying them , according to the Goldman report . The investment banking firm released a report compiling information about the spending and lifestyle habits of those born in the 1980s and 90s . Goldman Sachs 's report provided figures for the life choices of Millennials , such as waiting longer to get married and live on their own . Only 15 per cent of respondents to a survey said that they thought owning a car was 'extremely important ' . Ninety-three per cent of 18 to 34-year-olds plan on owning a home someday , though the younger generation has also seen an increased number of renters . The firm found that the mean marriage age is now 30 , rather than 23 for those getting married in the 1970s . A growing number of young people also define healthy living as not smoking or drinking too much , as opposed to just not falling sick . Eighty-three per cent of 12-graders in the study said they disapproved of adults smoking a pack of cigarettes a day , up 13 per cent from 1998 . Some of the concepts too difficult to show in tiny picture form on Twitter . While some may laugh at Goldman 's use of emoji as a cute way to gain traction on Twitter , the tiny cartoons have gained an increased seriousness . In January Brooklyn teenager Osiris Aristy was arrested after he posted alleged terrorist threat messages that included a gun emoji pointed towards a police emoji . Aristy 's charges were later dropped , though courts and others in official capacities still struggle with how to interpret or use the cartoons , according to Wired . Millenials are forgoing purchases of items such as cars and getting access to expensive goods through apps , according to the Goldman Sachs report . Goldman Sachs ( headquarters pictured in Manhattan ) found that Millennials are more health-conscious and more disapproving of smokers than previous generations .
online banking firm released : Millenials : Coming of Age . customers experienced troubles finding jobs and delays before entering family life . started using ' virtual economy ' apps to access expensive items .