If an adult called all teens young, dumb and broke, there would most likely be a hormonal backlash with a protest march and a side of attitude. But for some reason when a teen writes a song with the same title, his young followers blare it like their mantra and dance like someone’s watching. When we adults think of our own teen years, most of us probably agree… young, dumb and broke sounds fairly accurate.  That’s not our dream for the next generation though. So how do you think the majority of our young people drifted so far from our grandparents’ standards of working hard, saving before you spend, and…