Date: January 21, 2020 05:45PM
That is exactly how it is.
Net savings is negative for people in their 20s and 30s, then goes neutral and finally turns positive in your age category. The reasons you cite for why young people have no money--student loans, high housing costs, high health care costs--are spending. Advertisers want to get a greater share of that spending. They will not be able persuade you to spend anything like a someone in her 20s.https://www.bls.gov/opub/btn/volume-4/images/age-spending-chart-1.png
Advertisers want to hook people in their 20s so that they get a bigger share over the next couple of decades. That makes a lot more sense than investing in people whose spending is in steady decline.