The so-called Generation X--those born roughly between the administrations of LBJ and Carter--have lived most of their adult lives in booming economic times. The last few years, particularly the devastating crash of the dot-com bubble, sounded a wakeup call. The author, who migrated from stock brokering to network marketing in the late 90s, has seen a sea-change in the attitudes of his 20- and 30-something contemporaries.