Dear Straight Talk: My boss keeps telling me young people have it easy today. But I’ve worked 40 hours a week at $12 an hour for eight months and have been unsuccessful at saving money for college. I ride a bicycle six miles to work, do not own a car, and share a house with four roommates. I cook and am careful with spending, yet I still cannot save. Am I doing something wrong, or is my boss out to lunch? — Almost 20, on my own in Santa Cruz
Justin, 26, Redding: I live rent-free with my parents and work 30-40 hours a week making $20 an hour. But with full-time college costs, I barely break even. I haven’t bought an article of clothing in over a year, haven’t eaten out in months, and am too broke to ask a girl out for fear of having to pay her half. Gas is expensive, food is expensive, entertainment (of any kind) is expensive. I’ve given up trying to pay off my maxed-out credit card until I graduate.
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