It's totally money for a lot of people. Knowing that when you graduate, you are going to have college loans to pay back, moving costs to get to a job, costs in

It's totally money for a lot of people. Knowing that when you graduate, you are going to have college loans to pay back, moving costs to get to a job, costs in setting up a home (deposit, moving, furniture, appliances), and maybe even car payments. And monthly bills. It's just a stream of money problems for the foreseeable future and a lot of people really don't see an end to it and don't think they have the strength to do it.