Strapped: Why America's 20- and 30-Somethings Can't Get Ahead
If you think things are hard for you (living with parents, stuck in a low-paying job you hate, stuck with a totally crappy car, etc.) you're not alone.
I've managed to avoid most of this and I think a chief reason is the fact I didn't take out or need any college loans. Thank heaven for academic scholarships. The fact I've never had a car payment helps too.