Attitudes toward money are changing fast. Although there now are adequate insurance and social welfare systems, we must teach ourselves and our youth to be farsighted, so that future generations won't have to pay our debts. Ku Pei-hua used to be a hippie, and her parents worried about her future just as parents of the "new, new youth" do today.
現代人的理財方式和過去不同，新新人類和中生代的理財方式也大異其趣，張水江認為，雖然現在的保險和福利制度都很好，但是我們必須教導下一代將眼光放遠，不要讓下下一代為我們償債。