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Today's young adults have it tough - they've racked up massive student debts and then have to step into a tight job market, an expensive housing market and some of the most uncertain economic conditions in decades. What moves can young adults make to get a good financial start in life, and how can their parents help?

Rob Carrick, Globe and Mail personal finance columnist and author of the new book How Not to Move Back in With Your Parents: The Young Person's Complete Guide to Financial Empowerment, answered these and other questions. Click here to read an excerpt from his book and here to read a Q&A with Mr. Carrick on banking blunders that snare young people.

Mobile users can view the discussion here.

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