Copyright (c) 2010 John Howell

In the years when most adults are just starting out, investing in the stock market can seem like a far off dream. But for those just finishing college or just starting the in the job market, it's best to start thinking of how to reach that far off dream now.

Thrivent Financial and Kiplinger's magazine recently published a stock study on the way Americans in Generations X and Y (those between the ages of 25 and 34) felt about money.

Here's what the stock study found and how those in that age bracket can approach it.

Financial decisions - The stock study found that when it came to making financial decisions like big-ticket purchases and how to invest, 47 percent of married respondents consulted with their spouse. On the other hand, 51 percent let their spouse make the decision on his or her own.

While these numbers are almost perfectly split down the middle, the stock study shows it's usually best to talk it out first as 37 percent of couples said the current economy has caused tension between them.

Money worries - The stock study gave participants a list of six worry-worthy things. Among them, 29 percent of stock study participants said their biggest worry was losing their job. Additionally, 23 percent said credit card debt worried them the most while a surprising 21 percent said they don't worry at all.

Future-thinking respondents said their biggest worry was whether or not they were saving enough for retirement. Finally, the stock study also found that 32 percent of participants felt they were "struggling" with their personal financial situation.

Money, honey - When asked about their partners, 53 percent of stock study participants said they wished their partner would or could earn more money (though none said what they would do with the extra cash). Thirty-one percent who responded to the stock study said they wished their partner would discuss money with them more and 24 percent said they could stand it if he or she was less of a spendthrift.

All together, stock study participants said they were spending less than they had in previous years as 68 percent said they felt they were more frugal now than they'd been in the past.

While there are some unfortunate numbers in this group - especially those who reported they were struggling or worried about their jobs - the best news of all is that this age group has more time than any other demographic to start investing and turn their personal financial situation around.