These are all great things to consider!!

Just a quick note that a couple of the traits listed (financial insecurity, political correctness, thoughts about marriage, etc) are generational and specific to today's culture (possibly Western cultures in particular, though I haven't researched every current world culture), rather than age per se. Therefore, they apply if your story is current and takes place in a culture where those things are true. If the story takes place in another time or culture, either real or fictional, TODAY IS THE DAY TO EXPLORE THAT!!

Happy Brainstorm/World Building/Research Day.
(It's almost like we did that on purpose hee hee.)

Cheers,
Michelle