Russell a Guest Post: If the 20 and 30 somethings of today want to know how the true adult world works. They should try moving into a apartment for $600 or less per month try living off $40K per year and save at least $10 K per year. So as you are drinking your Starbucks and Beers and showing where you are to your friends on facebook, just try for 3 months to run a budget wehre you live off of $2,075 after taxes that is what the true adults are trying to do. Then start to tell others how difficult life is. Yes, you still have to pay back your student loans off of this. We adults have grown children asking for help, parents that are aging and homes that are underwater that we hope to save broken heaters and sick kids. So get a grip Starbucks pumpkin spice is not one of the first things on our list these days.