By Hal M. Bundrick NEW YORK ( MainStreet) -- Ah yes, the life of a millionaire. Lazy days at the country club. Perhaps a bit of travel overseas before returning to your posh vacation home and spending hours cruising the lake in your boat. No doubt, you're picturing a frolicking, handsome, white-haired senior couple straight out of a Levitra ad, right? The truth is, the reality of this scenario would better fit a vibrant, young-adult couple in their mid-30s, according to new research from Fidelity. The study of Gen X/Y millionaires under the age of 48, with an average age of 37, finds they are more optimistic, more likely than their Boomer peers to take an overseas vacation (flying first class) and also have that country club membership, vacation home and boat. Many of these rich young adults inherited their wealth, but are far from squandering it. Averaging 30 trades per month, they are active investors, personally engaged in further building their wealth. And while more likely to enjoy their wealth, they also tend to be more generous with their time and money than wealthy Boomers.