1. Socio-economic structure: Parents' generation may live in different socio-economic structures. For example, in some periods in the past, the socio-economic structure may be relatively simple, the cost of living is relatively low, and consumption choices are relatively limited. In contrast, the modern social and economic structure is complex and diverse, the cost of living is high, and the consumption choices are more abundant, which may lead modern people to fall into the trap of consumerism and consumer debt and make it difficult to save.

2. Income gap and social pressure: In modern society, the income gap may be large and social pressure may be large. Families need to face higher living expenses, including housing, education, medical care and other expenses. At the same time, modern society has high expectations and pressures on personal consumption and social status, which may lead some people to over-consume and find it difficult to save.

3. Consumption concept and lifestyle: In modern society, consumption concept and lifestyle may have changed. Consumer culture and public opinion may have a great influence on individuals, making people more inclined to satisfy their immediate consumption desires and difficult to save and invest for a long time. At the same time, with the fast pace of modern life and high work pressure, people may be more inclined to pursue instant consumption and enjoyment, while ignoring long-term savings and investment.

4. Financial education and financial knowledge: Parents may lack modern financial knowledge and financial education, but they may manage funds more carefully and pay attention to savings and investment. In contrast, modern people may have more resources and opportunities in financial knowledge and education, but they may also face more financial temptations and risks, leading to a decline in their awareness and ability to save.

5. Consumption habits and living habits: The consumption habits and living habits of modern people may be different from those of their parents. For example, modern people may prefer a consumption-oriented lifestyle, pay more attention to short-term consumption and enjoyment, and pay less attention to savings and investment. At the same time, modern people may be more accustomed to using credit cards and loans for consumption, resulting in increased debt and reduced savings. Parents' generation may pay more attention to saving and saving, and avoid debts and debts.

6. Social security system: The social security system may be different in different periods and regions, which may also affect personal savings. For example, some countries or regions may have a sound social security system, providing benefits such as pensions and medical insurance for the elderly, reducing personal economic pressure and reducing dependence on personal savings. In some places where the social security system is not perfect, individuals need to rely on their own savings to cope with possible economic risks in the future.

7. Culture and values: Different cultures and values may also affect individuals' savings behavior. For example, some cultures and values emphasize thrift and saving as a virtue, while others may emphasize consumption and enjoying the present more. This kind of culture and values have an impact on personal savings behavior, and may also lead to differences in people's savings behavior in different periods and regions.

Generally speaking, there are many differences between modern society and parents' generation, including socio-economic structure, income gap, consumption concept, financial education, social security system, culture and values. These factors may have an impact on personal savings behavior, making it more difficult for modern people to save. A thorough study of these factors can better understand why it is difficult for modern people to save more money as their parents do.