Or some of the problem could be the $450 per month. At 22. In indiana, that's a rent payment. A car payment. You might not even be done with school let alone g

Or some of the problem could be the $450 per month. At 22. In indiana, that's a rent payment. A car payment. You might not even be done with school let alone getting a decent enough job to be able to afford this on top of your rent, transportation, and student loan debt. You are worse off if you didn't go to school or if you are working on a masters (or higher). All the financial education in the world won't make these ends meet for most folks.