Time used to be when you finished your formal schooling – whether it be college or high school – you'd get serious about life. You'd find your career, get married, have kids, and, in general, start adding value to the community you chose to call home.

Some time ago – who knows when – the world changed. Today's 20-year olds treat their emancipation from schooling as a long awaited vacation from all things responsible. They're not hippies, idlers, or hobos. They just want to take a break until things get serious – at age 30.

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