Kamenetz ends Generation Debt with some stern prescriptions for her readers. Parents need to talk seriously with their children about the costs of education and retirement and place some economic responsibility on their children at an earlier age. Young people need to begin planning their financial future now , by consolidating debt, saving, and working toward a career. We all need to advocate for better working conditions for the contingent laborers that have become a mainstay of the new workforce. And we need to demand that the government provide better financing for higher education. This call to arms is not a self-pitying complaint, but the product, on Kamenetz's part, of an open mind and real courage.