Young adults are depositing more to savings accounts and paying down 57% more student loan debt than Gen X or Baby Boomers. Finger is pointing at the Great Recession.

It was not an accident that Newton formulated his theory of gravity while relaxing under an apple tree. And, speaking of Apples, it was not a coincidence that Steve Jobs' casual interest in calligraphy stimulated his world-changing technological innovations with a typographic design focus.

For many qualified young professionals, formal leadership was perceived as an exhausting, thankless role. Yet, Millennials have ambition. Young professionals do aspire to leadership roles -- just not the ones that their Baby Boomer colleagues have coveted so fiercely.

They're both body art, and their respective consumers are changing the way we live, work, eat, play and spend.

Retaining Gen Y employees is depending more on the blend of worthwhile work and access to community activity than the financial rewards being offered.