As if swelling consumer debt and negative savings weren't big enough obstacles to attracting young investors, the Federal Reserve recently released a survey showing that workers today are earning less than a few years ago.

Adjusted for inflation, heads of households younger than 35 have suffered a 4.2% drop in income, that is, wages and investment income, while the incomes of those between 35 and 44 have dropped by 10.1%, according to the 2001-2004 Survey of Consumer Finances.

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