Teens and young adults in the United States might not really remember what life was like before Sept. 11, 2001—before war and economic woes began to sap the country’s optimism. So when they look toward the future, they see more tough times ahead. According to a study by TD Ameritrade, about 39 percent of folks in “Generation Z” (youth between the ages of 13 and 22) are worried about paying for college and dealing with student loans. Many are concerned about the job market, and about two-in-five worry about identity theft. Many are taking steps to ensure the rocky road ahead isn’t too bumpy: More than three-fourths say that saving at this time in their lives is important, and more than half have a savings account. “They are doing a nice job understanding the challenges they may face,” says Carrie Braxdale of TD Ameritrade. “It was impressive and surprising to see how well aware they are around the importance of money.” (USA Today)