That's a whole lot of excuses. As the article said, many millennials are not finding good jobs because they lack the wanted skills and even some basics skills like showing up to work on time, teamwork or putting their phone down for an hour or more. The jobs are out there if you are qualified (a philosophy degree from the University of Phoenix won't help). Also you don't need a graduate degree to find a decent job and most programs are not four years even if you did. If you can't afford college, find scholarships, start off at community college, join the military and let them pay, etc. If college isn't for you, you can apprentice as an electrician, plummer, carpenter, ect. and acquire a skill to support yourself and never take on student loan debt. Once you get a decent job, put 5%-10% of your pay into the company 401k plan or into an IRA if your company doesn't offer one. It's really not that hard to get a job and save for your future.