> Have you ever met a teenager?

Yes. And we've all been teenagers.

>Almost literally zero percent of them think (or need to think) about this stuff, with the possible exception of some of the very oldest teenagers (ie, people in their first or second year of college who are starting to think about the details of the start of their careers).

What? EVERY teenager thinks about it. Not only that, their parents financial situations and the prospects of the future most definitely influences their outlook.

What teenager doesn't talk about or think of their future? The entirety of high school is pretty much about preparing for college, finding a job, etc.