So in this book that I read in the last two years but can’t identify, a cold-sleep type spacecraft is sent out to colonize a distant star that has been identified as having habitable planets. No adults are taken; just fetuses, which are to be raised by the relatively benevolent AI on board when the ship reaches its destination. Soon after the ship is sent, society on Earth collapses for some period of time and is rebuilt, until another ship, this time a generation-ship is sent to the same star, with the intention of colonizing the same world. The novel opens as the second ship nears the planet, and we discover that the natives, since they had so much technology and a whole planet’s worth of resources, have a moneyless society, where people work to gain prestige, not money. No one can show off wealth by having a fancy car or swimming pool in their backyard, because anyone could get these things. The only way to show off is to have a fancy job. It’s a very anarchist society as well. The newcomers eventually end up converting bit by bit to the native economy.
Any help? I’m going to guess it was published in the 80s or 90s, and it was known but not classic author (not Heinlein, Asimov, Clarke, Bradbury, or any of that crowd.)