Logo: Portrait of a young woman, finger on lips (Pascal Broze,
ONOKY, Getty Images) You hear a lot of gripes about the lack of
willpower among 20-somethings. How they can't control their
spending. How they shop recreationally and constantly. How
they're up to their hairlines in student debt but still go out
to eat every night. Most of all, how they gripe about being
broke -- while sitting in coffeehouses texting friends from 5G
phones.  It's not often that you hear it from a 20-something,
however.  In this post on Budgets Are Sexy, blogger J. Money
shares an e-mail rant from his friend Tiffany A., who's gotten
some attitude from co-workers about her love of travel.  "Oh,
you are so lucky -- you must be rich," they say.  Tiffany
doesn't see it that way. Here's an excerpt from her self-
described "rant":  "What frustrates me most about people my age
is that they spend their money frivolously on stuff that doesn't
really matter in the end. In my opinion, if you do that -- then
it's your own fault you don't have m