Generation vexed: How anxiety stalks teens in Utah and across the nation

Over the next year, the Deseret News is exploring why teens are more anxious than ever and how families and communities can help. This is the first story in a multi-part series.

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  • carman Wasatch Front, UT
    July 8, 2018 4:09 p.m.

    To marxist:

    But you fail to see that those like you who pound on these issues are part of the problem. Even $36,500 isn't that much for someone who is educated and has a good job. And with virtual businesses, one can live in less expensive locals and still have a very nice lifestyle. The fear mongering of the left should be replaced with hope and the idea that education, hard work and focus will overcome most all obstacles. Remember, the constitution protects the right to pursue happiness, what ever path it may be. Rampant socialism destroys opportunity by overtaxing to build huge safety nets, making financial success less likely for all. It is a downward spiral. What we need is less fear-mongering, and more optimism and hope.

    The next generation will be better off than the last gen, but it will take hard work. Too many don't want to work hard, they simply want the nicer things in life without much effort.

  • Tracy A. Provp, UT
    July 6, 2018 3:15 p.m.

    I hope as you guys seek answers to help our youth, you would give it adequate review. It is the best answer in my biased opinion from my own experience:

    There is real help through micronutrients (mainly minerals in the ratio and balance needed by the brain. True Hope is chelated and made to be taken into the cells and pass the blood-brain barrier. And no I am not paid for advertising but I am advocating for others who need it 😉

  • Bob Tanner Price, UT
    July 6, 2018 11:14 a.m.

    This is the first time in history that children and young adults have spent more time with machines (digital devices) than they have with live human beings. A machine cannot take the place of interfacing with another person.
    How many of these kids come home after school and find home made cookies left just for them, or sandwiches and a mother to welcome them. We have, over tome, taken parenthood away in favor of having mothers work so the family can have two care, a boat and a travel trailer...none of which strengthens family unity. When will we ever learn?

  • george of the jungle goshen, UT
    July 2, 2018 9:43 a.m.

    I smile at a sign on a wall of a business . It's a bear trap wide open, the sign reads push button to complain. The button is the realise of the trap painted red. Knowledge is why your in school knowing how to use the knowledge is wisdom. But if ya don't use it you'll lose it. It's a wailed world, is hard to get by with a smile.

  • PLM Kaysville, UT
    July 1, 2018 10:36 a.m.

    @Lilly Munster

    Your outlook is puzzling and I do not feel it reflects reality and empirical studies. Have you worked with anxious children and looked at their backgrounds and environment? I work with art students, arguably among the most anxious people. Yes, there are many causes and bullying is an issue as you claim. Children of single mothers are also more fearful - this I've learned by direct observation and experience.

    You say divorce does not destroy families. What? Did you divorce your spouse and are trying to assuage guilt? Otherwise do you have any personal experience with divorce? There is far too much emphasis on keeping up appearances in this culture, very strange to be so concerned about one's reputation when lives are at stake. This can be a very cruel and brutal society, also learned by experience. It is not prudent to dismiss points of view that don't share your perspective or experience.

  • Lilly Munster , 00
    June 29, 2018 5:28 p.m.

    Let's dig deeper for factual evidence to factor in.
    Utah and Idaho are LEADING this nation in teen suicide.
    There are almost no protections in Utah and Idaho that prevent and/or punish school bullying. LDS teens are particularly vulnerable because of this.
    So any claims that teen anxiety, bullying, mental illness and suicide rates are because of "lack of religious upbringing and discipline" are woefully incorrect. In fact, they add to the problems.
    Another false causation is to blame divorce. Divorce does not, in itself, destroy families. Often, divorce is the remedy for broken families: broken by infidelity, psychological, spiritual and domestic physical abuse and inequality between marital partners. Keeping a dysfunctional family together for appearances is as destructive as any form of child abuse. Families are healthy only when both father and mother treat each other with dignity and equality, and teach those valued to their children.

  • utahreader CENTERVILLE, UT
    June 29, 2018 8:01 a.m.

    I appreciate this article, I look forward to more. I work in a high school and I have noticed in the last 6 or so years that anxiety has gotten much worse. Suicidal ideation has really increased in the last 2 years. I am not talking about students who are a little nervous. I see students who can't walk in the door of school, whose attendance is terrible and continues over the school year or years. Students who get unnecessary medical treatment before the doctor realizes he needs to treat the patient for anxiety and not stomach issues or headache issues. I look forward to seeing tools that parents can use to help their children. I've heard lots of reasons about why this is happening, but I certainly don't know the answers.

  • Misseleer71 Salt Lake City, UT
    June 29, 2018 3:03 a.m.

    I have to disagree to the cause of children being vexed by social media, or shootings, or weather, environment. What is vexing children is the belief in them selves and their own skills and abilities. They are confused by the process of forcing them to 'dream' themselves into being successful when its an impossible option for them to do. If these children are unable to accomplish something they cannot do without various personal skills, abilities, and intelligence is driving them up the wall because they were not taught that not everyone can do all things or some things not within their skill levels. Its why povery is rampant in some areas of the country where poverty is a way of life because they aregent given the skills or abilities to be successful as themselves. People have to find their own way in life using what they know and if they can do it.

    'Education is not giving them knowledge or skills suitable the the individuals so children have been suffering for the last 40 years in schools by invalidating a child's ever changing personal choices that don't meet educations unreasonable or impossible demand on them.

  • FelisConcolor Layton, UT
    June 28, 2018 10:02 p.m.

    "In truth, today's teens and young adults have grown up with big changes, from social media to terrorism, school shootings, environmental degradation and more."

    So has every other generation. And quite frankly, previous generations had it a lot worse than today's kids.

    Such as the GI Generation, the members of which didn't really have much of a childhood as they struggled to survive the Great Depression, and then had to fight the bloodiest war in human history.

    Or the Baby Boom Generation, which grew up facing the very real possibility of nuclear annihilation, a nightmare that almost came true during the 1962 Cuban Missile Crisis and the 1973 Yom Kippur War. Millions of Baby Boom kids (including myself) were exposed to radioactive fallout from weapons testing.

    Environmental degradation? The environment today is far cleaner than it was 50 years ago. Children today have only about 1/10 of the blood lead levels of their parents and grandparents. Airborne pollutants have steadily declined; the air these stressed kids are breathing is cleaner than anything their parents breathed.

    Kids today do have problems. But there is nothing uniquely difficult about them.

  • Astoria Jim Mamaroneck, NY
    June 28, 2018 8:38 p.m.

    God Bless You for this informative, compassionate, and well-referenced article. I have already e-mailed it to friends and family members who have teenagers who are affected by anxiety, and I wouldn't be surprised if they send it along to others, and perhaps a hundred New Yorkers will benefit from this article in a Utah newspaper!
    It is too easy for us who are adults now to look back at our own teenaged years and say, "I survived it, they will, too." When I was in high school in the 1960's, the only "social media" we had was an unsold advertising space near a subway station where we would occasionally scribble comments. If someone wrote "Jim is a Jerk" there, few people would have seen it, and I could easily erase it. But you can't erase hateful social media. And, if you're a teenager, you can't ignore it either.
    If you have friends or relatives with teenagers who don't regularly read the Deseret-News, why don't you e-mail them this article, too?

  • Lucky-Felicity Lehi, UT
    June 28, 2018 5:47 p.m.

    Anthony Bourdain, Robin Williams, Kate Spade. We read these names and think “poor tortured soul” and remember their contribution to society and how sad it is that we didn’t see it and they didn’t see their worth.

    We look at the average child and teenager struggling with the very same issues and we hear “entitled, lazy, every-one-is-special problem, poor parenting” blame game.

    No wonder these children won’t seek help. Shame on us.

    What does anxiety look like? It looks like grounding your daughter from her homework because she is complete meltdown and nothing is due for a week. It looks like pushing your child literally onto the track to run a race after they just threw up and feel like they can’t breathe. It looks like hugs for their suffering and strong love to push them through their paralyzation.

    It is running for your life from a bear. Only the bear isn’t there. And you KNOW it isn’t there. But your autonomic response won’t believe you. Your heart pounds, your throat closes off, no sleeping, no peace. No hope.

    For those that don’t understand, thank your lucky stars you have no idea what you are talking about. Ignorance really is bliss. Insensitivity is a choice.

  • RockOn1224 Spanish Fork, UT
    June 28, 2018 5:16 p.m.

    Anxiety is certainly worthy of discussion. I have no answers. Lots of questions. Just 2 that weren't addressed in the article:
    1. Freud described one of the most prevalent mental illness of his day was "dead arm" or something akin. The more it was discussed, the more prevalent. Today we don't have that. He suggested some mental issues came about because it suddenly become a part of the culture. Is this one? Are more students listing anxiety because they're now aware of it. Still a problem, but wonder what part this plays.
    2. What part does "connectivity" play? If a student no longer has the world at his or her finger tips, does that add to or even create anxiety.

    Not sure I buy the active shooter drills. I lived through "duck and cover" under my desk as a drill for a nuclear bomb being dropped on us in Los Angeles. It certainly seemed near at hand for us.

    Interesting article and appreciate the discussion but I get anxiety about how mean people will be... not really. I don't care.

  • NeifyT Salt Lake City, UT
    June 28, 2018 5:01 p.m.

    This was an extremely long article that was hard to get through betwixt work assignments. There wouldn't be enough room for me to even comment 1% of what I wish to write about mental disorders that often entail anxiety including panic attacks.

    While these things are real and are debilitating; this is an excellent article to point out just why I say teachers very much should be on the watch and fulfilling the needs of their students. For instance the article gives the advice...

    "Help kids learn “soft skills.” Parents may erroneously assume teens know how to do something — talk to an adult, solve problems face-to-face, label emotions — when instead teens need to be coached directly and placed in situations requiring those skills."

    How about the same thing; teachers should be teaching those same skills. That should be the very purpose of a "Social Studies" class; to teach social skills. In fact every one of those 9 bulleted points while directed toward parents should also be directed toward teachers; especially when the anxiety is driven by academic problems (like the first example of a research project.)

    And I wish I could type more, but out of space again.

  • worf McAllen, TX
    June 28, 2018 2:14 p.m.

    Anyone ever notice how elementary school children will stress out over standardized tests?

    Notice how teenagers can't live without earphones on? What are they listening to?

    How many teenagers have a mom and dad at home? Divorce is the the most painful word in the English language.

  • bamafone Salem, UT
    June 28, 2018 1:46 p.m.

    Most of these kids have parents that are not parenting. Some are leftovers of the hippy days, and many others simply do not have what it takes to teach children what life is all about. Add in the mix of social media, laziness and drugs, it seems as if they are doomed. Poor educational systems and the abandonment of religious values, or any values for that matter has brought about a bad brew of any hope for a bright future for many of them. What to do? most likely we are pretty much going to have to start over sad to say.

  • Reader777 Mapleton, 84664
    June 28, 2018 1:43 p.m.

    I don't think its fair to say generation vexed. It makes it sound like a whole generation is cursed. Of course the article admits everyone has anxiety to some degree. But to say its a problem for this generation makes some big assumptions. This new teen generation didn't know 911, so I didn't know about the great depression, world war, and other catastrophic events. My generation isn't labeled vexed. I see some stats from 2015. Probably the only real stats presented. To say a blanket statement like "generation vexed" should have some generational comparison data. The article even admits there isn't solid statistics on anxiety because its so variable. Some professionals saying they think anxiety is increasing is probably true, (The population is growing), but they can't pinpoint an exact number, so how significant is it? Isn't it a little biased for them to say? They would benefit if all the sudden anxiety is a national phenomena. Please provide solid statistics and data in your future articles. I wouldn't want to be labeled the "anxiety" generation. You can talk about anxiety and that is a good discussion, just don't generalize an entire generation.

  • PLM Kaysville, UT
    June 28, 2018 1:02 p.m.

    @ EBeth

    From the British Government: "The research adds to a wealth of data that shows children suffer badly from divorce or parental break-up, and that those brought up by a single parent are more likely to do badly at school, suffer poor health, and fall into crime, addiction and poverty as adults.

    The report, funded by the Department of Health and published by the Office for National Statistics, investigated emotional disorders - ranked as those which cause considerable distress and interference with the way in which children perform at school and during play.

    The researchers studied nearly 8,000 children aged between five and 16 in 2004 and found almost one in ten had disorders. The children were checked again last year.

    The report said that a child whose parents had split during this time was more than four and a half times more likely to have developed an emotional disorder than one whose parents stayed together.

    They were nearly three times more likely to exhibit a conduct disorder.

    But academic Patricia Morgan, author of several studies on family break-up, said: ‘This does not come as a surprise, and things are going to get worse."

  • Anonyme Orem, UT
    June 28, 2018 12:54 p.m.

    Ann Blake Tracy: “You suggest drugs/medication (antidepressants) we have been warned double the rate of suicide for youth?!”

    Who warned that, Ann? I’m looking at the FDA’s warning and nowhere does it say “double the rate of suicide.”

    Here's what the FDA warning says: “Antidepressants increased the risk compared to placebo of suicidal thinking and behavior (suicidality) in children, adolescents, and young adults in short term studies of major depressive disorder (MDD) and other psychiatric disorders.”

    That’s a significant difference from your claim.

    The warning also states, “Depression and certain other psychiatric disorders are themselves associated with increases in the risk of suicide.” In studies which informed the warning, 4/100 children using antidepressants had suicidal thoughts or behavior, compared to 2/100 using placebo. No suicides occurred in any study.

    If you trust the FDA’s warning, then you trust its recommendation that with proper precautions, antidepressants can benefit youth. A 2007 study found that the benefit of taking antidepressants was greater than the risk of suicidal thoughts and behavior. Please stop trying to scare people with misinformation.

  • TOO Fairview, UT
    June 28, 2018 12:15 p.m.

    Some replies to this thread say these are judgmental comments.

    I am in college right now. Every week we have signs in this college that have quotes like, "you are loved", "someone is here", etc. In the bathrooms, around a big sign that read, "take what you need", they had post-it notes with sayings such as, "you can do it", "don't give up", ''you only fail when you stop trying", just to name a few.

    No I'm all for people looking for inspiration when times get tough. I've needed it the last 2.5 years as I finish my doctorate degree. However, this is part of the problem. Many of these students have never lived outside the home. Many of them have not had jobs. Many of them have their parents paying for the education.

    What happened to work ethic? What happened to self-sufficiency and self motivation? We are seriously lacking!

  • at long last. . . Kirksville , MO
    June 28, 2018 11:45 a.m.

    A fairly significant factor is the raising of children by parents who don't allow them to fail at small things as they are growing up. imagine that your parents helped you succeed and/or propped you up until you are in your mid-teens (at which point you want nothing much to do with your parents). Who is going to bail you out then? The answer is no one and you are faced with failure on some issue and don't know how to handle it. Ergo: anxiety and depression.

    Poor parenting is a major reason for this crisis and it isn't going to change until parents stop being helicopter parents and allow their kids the freedom to fail early and often while growing up. The genuinely pathetic part is these parents believe they are doing the right thing by over protection of their children.

  • EBeth Kaysville, UT
    June 28, 2018 11:11 a.m.

    Anxiety is universal. Many kids with anxiety DO come from stable, functioning and even nurturing family environments. This can be influenced by environment as well as brain function and processing. Just as contracting cancer is not dependent on whether a person is in a stable, functioning and nurturing family, neither is that a conclusive determining factor in anxiety.

    @Deseret News
    Hopefully, these comments are read and the misconceptions will be addressed in future installments of this series. Thanks for educating and enlightening the readers so that we as a society can be of assistance not a detriment in the lives of those who are dealing with anxiety.

  • John Anderson Salt Lake City, UT
    June 28, 2018 10:46 a.m.

    Smart Phones, Social Media, Disconnect from real interaction, very real seeming video games, parents not involved or involved to the point that the child works for nothing and does not learn coping and work ethic skills.

    I see these as the problems that are just getting worse. Depression and Anxiety have always been around and are part of what makes a human push and succeed.

    I have no clue how to solve the problem but we do need to look at these things if we want to improve and reduce metal issues. I see no need for a child to have a cell phone until they get a drivers license but no way that is happening today unless there is serious change.

  • rubbergoose Bountiful, UT
    June 28, 2018 10:33 a.m.

    Avoid jolting messages. Mainstream media is always shouting about something and the entertainment industry promotes destructive lifestyles. Little mental peace when immersed in these.

  • worf McAllen, TX
    June 28, 2018 10:20 a.m.

    Eliminate school standardized testing, permissive behavior, and addictive depressant music.

    Much of teenage anxiety will be gone.

  • Applelovernow Henderson, NV
    June 28, 2018 10:15 a.m.

    Some of the most balanced teens and young adults I know have traveled. I know several who have volunteered in India, taught English in China and worked on Habitate projects in Mexico. Pushing oneself into areas that are way out of your comfort zone develops confidence. I train traveled all over Europe in the early 1970s as an 18 year old. No cell phone, no way of contacting my parents, just had to find a way to get around and put a roof over my head and eat. This was a great confidence building experience. I knew when I got home that if I could do this, I could probably figure out about anything else that came along. I am sorry that students today are so anxiety ridden. I hope we all have more understanding of the world they face. I know life is tough, but it was tough for all of generations in a different way. We as the adults of the community need to convey our confidence in the youth that they will make their way in the world and do a terrific job.

  • PLM Kaysville, UT
    June 28, 2018 10:06 a.m.

    Developing my talents helped me overcome anxiety. Finishing my college degree at 50+ taught me I could do hard things (I reared 5 children + helped with 2 stepsons you'd think that would qualify.) From my experience, we need to stop demanding perfection and focus on growth. Perfectionism is poison to the qualities of experimenting and trying new things; freezing a person with fear. Give yourself permission to fail and you will ultimately find success. How many of these anxiety-ridden children are coming from stable , traditional families? I would guess not many. We need our dad's to push us to do hard things, we need to stop comparing and stratifying each other and ourselves. Go for the gold but be thankful for the experience no matter the outcome.

  • EBeth Kaysville, UT
    June 28, 2018 9:56 a.m.

    Thank you for writing a very informative and helpful article. I look forward to more like it in the series. Many things mentioned I wish I’d known when our family first started experiencing anxiety with one of our sons.

    I feel from reading most of the previous comments on this thread, that as a society we have a long ways to go in understanding clinical anxiety. The beliefs exhibited are judgemental and do not reflect reality for a person dealing with severe anxiety.

    We must become more educated and more compassionate and know what we can do as families, friends and neighbors when a close associate is learning to cope with anxiety.

    Thank you for striving to meet this need in our Utah society.

  • Mr. Boris Layton, UT
    June 28, 2018 9:04 a.m.

    Teens are filled with anxiety because all the adults around them tell them that life is supposed to be easy and free from any type of discomfort.

    This is especially true at school where the current generation of teachers and administrators try and coddle the students and save them from every uncomfortable situation. Then when life gets tough they don't know how to deal with it.

  • RiDal Sandy, UT
    June 28, 2018 8:34 a.m.

    We need to snap back to reality: human life has always been filled with "anxiety". In prior generations this anxiety was based on real fears of starvation, disease, and violent death. Today's people, including youth, have anxiety over things we would consider "trivial", except they have grown up with no coping skills. We protected them with safe spaces and trigger warnings rather than forcing them to "toughen up" a bit and concentrate on their responsibility to become productive citizens in a practical world. There really is a value to the concept of "tough love" that has been forgotten.

  • Leesha Kearns, UT
    June 28, 2018 8:20 a.m.

    An emotional article thats not a lot of help

  • 10CC Bountiful, UT
    June 28, 2018 8:13 a.m.

    Children take cues from the adults.

    For regular middle class kids from prototypical homes, the kids remember their parents preaching one type of behavior when they were young children...

    … then watch the adults in their immediate community practice "situational ethics" in cheering & supporting the national bully while pretending everything is great - or (at best) not having enough time or interest to do their civic duty and be aware of what's happening.

    (Teenagers and young adults tend to watch what's going on, since they're still interested and they'll be around longer than their parents.)

    The dichotomy between what children were taught, and how they see the adults cheer / ignore behavior that would get any Kindergartner put into "time out" sends a very strong signal that what was taught to young children was actually a fraud, like Santa Claus, or the Easter Bunny.

    This undermines all the loving, positive, optimistic foundation they were raised with.

  • All American Herriman, UT
    June 28, 2018 7:51 a.m.

    Sounds like a parenting problem. I agree with @Too - kids need to give up or severely limit screen time. Get outside themselves, help others, volunteer at a senior's home or food kitchen. Most of all, someone needs to teach them coping skills. We ALL have anxiety, but it doesn't have to be crippling.

  • Uncle_Dave Springville, UT
    June 28, 2018 7:31 a.m.

    Thank you. Very helpful article. We are experiencing these issues daily in our home.

  • dski HERRIMAN, UT
    June 28, 2018 6:37 a.m.

    Psychology is not an exact science, but those who are promoting it have made a deep inroad to every corner of our lives. They make us think we cannot live without them. The truth is, life is hard. Tough experiences hardened us and enable us to deal with this hard life. When so-called dangerous fitness equipment are removed from children playgrounds and they are supposedly protected from harmful physical activities, anxiety is artificially created. What else is there to do but high doses of television and video games. And we wonder why anxieties run amok in this group? When children are bruised, we dress their wounds and then send them back out again. They learn, they overcome and they get stronger. When we are overprotective, they will be too scared to grow up. Psychology folks with their different opinions and approaches will be busy for decades to come. Sadly, we all buy into what they are selling. Remember, psychology is not an exact science.

  • windsor Logan, UT
    June 28, 2018 6:36 a.m.

    Just wanted to apologise for my previous comment.
    Now after reading the first paragraph of the article about Ems, I see the teens I know and who I refered to, who have been diagnosed with Axiety are nothing like her.

    This Ems has my sincere sympathy and hopes for finding relief and success.

    Maybe that is also part of the problem--the wide range of what is considered Anxiety.

  • windsor Logan, UT
    June 28, 2018 6:28 a.m.

    From sub-headline:. "the Deseret News is exploring why teens are more anxious than ever"

    I am just wondering if this is really true, or just an assumption.

    I personally think they are probably no more anxious than other generation of teens, I just think there is maybe less coping skills, or less inclination to just suck it up and carry on.

    Maybe there is more 'diagnosed' anxiety now, but maybe that's just more kids get sent to therapists.

    The ones I know who have been labeled (or who have labeled themselves) as Depressed or having Anxiety stand out for their obviously higher than average need for attention/insistance on being in the public eye, very high levels of Entitlement and refusal to take responsibility for actions, as well as a very noticeable lack of propriety.

    If we are exploring why teens seem to have more anxiety, maybe we should be exploring why many who have 'anxiety' seem to have more of these other things too.

  • Ann Blake Tracy Henderson, NV
    June 28, 2018 6:26 a.m.

    You report anxiety as the brain being overstimulated leading to ruminating or racing thoughts. In a world surrounded by stimulants are we surprised? We all know we live in an adrenaline pumping society with horror movies, rollor coasters, sky diving, etc. And chemical stimulants: caffeine in extremely high amounts in "energy" drinks, sugar, a stimulant on par with cocaine, according to science, where consumption per person annually in 1900 was only 5 lbs & now is 160 lbs!

    And then in spite of suicide being the leading cause of death in Utah's youth you suggest drugs/medication (antidepressants) we have been warned double the rate of suicide for youth?! Why bother to spend so much funding the FDA if we are going to continue to ignore their warnings?

    I suffered severe anxiety & shyness in my youth & was even voted one of the "Most Bashful Couple" in my Senior class. Did I consider it a handicap? No! It was just something I needed to learn how to overcome. I have now appeared in multiple movies, do TV & media interviews regularly & public lectures. My male counterpart is now on TV regularly as a top ballroom dancer worldwide. Given time to grow up, we do!

  • TOO Fairview, UT
    June 28, 2018 5:22 a.m.

    Anxiety is not a joke, nor is it an easy fix. I've had family members as well as hundreds of patients who are on anxiety medications, most of them being very young. What I say may not be popular.

    However, I feel that the answer is how these persons are raised and perceived by society. There is a lot to be said about the "woosification of America". Many people over the last 10 years and continuing now have simply been coddled. PC is not on steroids. Technology is part of our everyday life. These kids can't even speak with people anymore, let alone speak with adults--including teachers.

    They've been told everyday that they are special. Many people enter college ill-prepared and finally having some responsibility is literally mind-crippling to them. We need to get back to where we were before. Take away the cell phone, iPad, laptop, video games, etc. and send the kids out to mow lawns, roof, and work with their hands. Let them communicate with people, not type to them. These things really do make a difference.

  • marxist Salt Lake City, UT
    June 28, 2018 12:23 a.m.

    "Even day-to-day adult life seems harder and more expensive. Today, the richest fifth of Americans hold 90 percent of the nation’s wealth, and teens are told they’ll be among the first who won’t outperform their parents financially. They hear that affordable housing is nearly impossible to find and experts predict Social Security won’t exist when they’re ready to retire. Higher education — touted as the key to save them — may leave them awash in debt. The Institute for College Access and Success says “average student debt at graduation in 2016 ranged from $20,000 in Utah to $36,350 in New Hampshire.”

    Thanks for mentioning this. When I raise such few believe me. Many are prone to anxiety. But the above is often the trigger.