While Wall Street obsesses over (https://www.cnbc.com/2026/04/21/college-students-may-owe-43000-in-student-loans-by-graduation-study.html) per graduate, they're missing the real story: an entire generation about to torch the consumer playbook. Sure, defensive darlings look bulletproof today. Coca-Cola's printing $47.9B in revenue with fat 27.3% net margins. Procter & Gamble's cruising at $44.6B revenue and 20.3% margins.

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