In 2009, only 20% of young adults ages 18-24 were unemployed or underemployed. Today, that number is hovering just above 50%. Combine this with 5 years of school to earn a 4 year degree at an average of $40,000 of debt per student, and you have a problem. Young adults are graduating later, starting their careers later, getting married later, having kids later, and saving later. This has put our youth’s maturity at an all time low and their debt and at an all time high.