I'm 23 and my generation has to work around so many changes...

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I'm 23 years old. I graduated High School 5 years ago. Somehow, I feel like I'm 33 years old. The reason is because our generation had had to work around so many changes in the world. I mean, we grew up when home computers were starting to become a big deal and Myspace took over the world (lol), the Presidential Candidates were Black (partly) and a Woman...so many other changes. I'm afraid to go back to school because I tried 3 times already and couldn't afford it, and the price just increases dramatically each year... I'm so afraid of the future because I don't know if I'll have Social Security or if 401k's will even exist any longer... I'm not sure if any company I EVER work for will ever offer me Health Insurance again because of the costs (it's not looking good so far with my job search). In fact, I've only ONCE had Dental Insurance! I'm afraid that I won't be able to heat my home because of the oil prices... I'm afraid to buy a home because I could either be stuck with the same home for a long time more than I expected because of Market Values. I'm afraid to buy a home because I might not be able to afford it with all these random increases and I don't want to go into Bankruptcy or have to live with knowing I failed at owning a home. I'm afraid to start a family because I don't want to be the mom who says "no you can't have a candy bar (at the store) because I can't afford it" and whole-heartedly mean it. It's almost as if everything I was told about life "after high school" has completely changed. Sure, I know this is how life is everywhere and has always been but it's very frightening for someone my age who would like to do the right thing and not have any stability in the world to know what the right thing is.