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Americans between the ages of 18 and 34 need to be employable and really good 401(k) investors, according to Today Money. But these goals can be difficult when unemployment is high and student loan debt is higher than ever.

Americans between the ages of 18 and 34 need to be employable and really good 401(k) investors, according to Today Money. But these goals can be difficult when unemployment is high and student loan debt is higher than ever.

In the Great Recession, U.S. equities lost approximately 45 percent of their value by March 2009, according to the article. This meant many Americans lost a great deal of the funds invested in their retirement plans.

"My chances of succeeding are based on what I can do. It's every man for himself, unless somebody passes it down to you," Roxanna Rabbie, a 23-year-old sales rep for an IT consulting firm, told Today Money. She has a 401(k) and three retirement accounts. "It's important to be able to plan from a very young age."

The national unemployment rate sits at 8.2 percent, up from 4 percent from the early 2000s. Currently, unemployment for young people is 9 percent, according to the Bureau of Labor Statistics.

"My biggest concern is job security, because as expensive as health care and education can be, trying to find a job right now is even harder, even when you have a good resume," Jamie Righetti, a 28-year-old Columbia University graduate, told Today Money. Actually, job security is the biggest financial worry for young people, according to a study by Ameriprise Financial.

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