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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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Justin Sullivan/Getty Images

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

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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

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Erin Schwartz/NPR