The fact that an employer has to provide a 20 Y.O. kid full boat health insurance is ridiculous. In your 20s the biggest health expense is having babies, and once they get pas the first 2 years or so that drops pretty quickly. And when you're 20 why would you want to work 6 days a week? Or get colonoscopies?

The whole housing "crisis" isn't. You move out and get a place with roommates. After you meet a reasonably decent girl, that's when you look for your own place. But that's later on.