are looking for work this summer. right now the teen unemployment rate is 26%. the economy is so rough that jobs in retail, construction, hospitality that would normally go to people maybe home from college are now going to adults. cnbc's personal finance expert carmen wong ulrich is here. thanks for joining us. every year when i was in college i worked at sears. that's how i paid for my books and other things to offset expenses. now, obviously, you know adults need the money. when you look at it, you've got teenager, college kids, they've been hit hard. >> they really need the money. if you broaden out the age range from 60 14 to 24 the unemployme rate is near 60%. as an employer, wouldn't you rather have for the same amount of money more bang for your buck by employing somebody who could do more for you? >> and maybe more reliable as an adult who's stationary and