This, this so much. I just turned 21 years old, and at my age I already have pretty significant tinnitus. Two underlying reasons:

1. Concerts without earplugs

2. Over-ear headphones

I think people get really into the headphones and want to 'feel' the bass of the music, much in the same way concerts are amazing because you can 'feel the sound.' This usually results in music playing too loud for 4-8 hours per day. Add that up over time and you'll find yourself like me, having to use sound machines every night and during working hours just so I can tune out the ever-persistent ringing in my ears.