Saving money doesn't have to be complicated, says financial adviser Beth Kobliner. The main point is for young people to get started early, she says. Justin Sullivan/Getty Images hide caption

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Kevin Miracle, 30, was a staff sergeant in the Army's 82nd Airborne Division and did two tours in Iraq and two in Afghanistan. After getting out of the military, he struggled to find a job. He now works at the Philadelphia Veterans Multi-Service and Education Center. Nathaniel Hamilton/WHYY hide caption

itoggle caption Nathaniel Hamilton/WHYY

Mobile apps are one mechanism helping the tech-savvy to manage their finances. iStockphoto.com hide caption

itoggle caption iStockphoto.com

Kate Haynes (left) and Samantha Jensen watch the stock tickers and debate what to select for their investments while participating in Junior Achievement's Finance Park program in Fairfax County, Va. Erin Schwartz/NPR hide caption

itoggle caption Erin Schwartz/NPR