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Kids these days. Have two of my own and love them to death, but I can't blame anyone for telling them they are morons when they talk "real life". Truth is, the are. It's part of growing up.

Phanuthier and Caramon, you both have interesting points, but you sound very ignorant. You won't know what retirement losses are until you are close. Telling me that your life opportunity is over at 20/21 years old is just a testament to how clueless some youngsters are. When you are 63, you don't have time to start over again. At 20, you have a whole life ahead of you, so don't tell me that your visa ran out. It's nothing compared to losing your life savings at old age. Nothing. And let's NOT bring up a minorities here Phanuthier because if an exchange/foreign student isn't the definition of insignificant minority, I don't know what is.

And Caramon, defined pensions were never the norm. And if you want to talk opportunities, just think internet. Can it get any easier to reach and entire world of possibilities and customers? Don't think so. Don't complain about what you don't have, look at what you do have at your finger tip. Your parents didn't have that.