WASHINGTON -- Millennials are foolhardy spendthrifts. But young people basically always are, and that’s probably OK. A new analysis of savings rates -- calculated by Moody’s Analytics, and based on Federal Reserve data -- has gotten a lot of attention for the sharp division it shows between the financial habits of “Kids Today” and those of everyone else. Older and wiser Americans are prudently building up their nest eggs, producing savings rates of 3 percent among people age 35 to 44, 6 percent among people 45 to 54 and 13 percent among those 55 and older.