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Group of students; woman in foreground.Getty Images/iStockphoto

It's not easy being a young person these days. The cost of education keeps rising, and with it student debt loads. The job market is still struggling to recover from the economic crisis, and more youth are living with their parents to cope. With all these financial barriers, saving for the future becomes increasingly difficult.

Earlier, personal finance columnist Rob Carrick took your questions in an online chat.

Our mobile-friendly version of the discussion is here.