We all know what WTF usually stands for: it s an exclamation of frustration and anger, and it s an understandable reaction to the tough new economic realities that have hit young adults harder than any other group. WTF happened to promises of a bright future? What happened to the jobs? And what do we do now that the rules have changed?

Recent college grads were raised in a time of affluence and entitlement, lulled into thinking that a golden future would just happen. With few role models to teach values like thrift, perseverance, and self-control, young adults are ill-equipped...