2. Independency:

Starting with a negative net-worth, you will be dependent on your family or friends. Most of this generation 20-somethings are getting out of universities on mid-20s.  Even though comparing to the earlier life styles, today’s 20-somethings are not capable enough to build their personal life strong. After a period of college excitements, most of you want to get on with that same college lifestyle. And immediately after becoming a grad, you probably look for your dream job than just taking a job or to get some work or to get started. You would not find it difficult to manage your financial needs as you get loans and family support when you were at college. But, as now you start your career, you need to repay all the debts and you need to meet all your expenses as well.