(AP) — Another study is finding that the financial crisis is having a lasting effect on young people.

Terri Friedline of the University of Kansas co-authored a study mapping the patterns in household net worth from 1999 to 2009.

The study found that children in households where net worth declined grew up to have only about $300 in savings. That’s 10 times less than the amount of children raised in fiscally stable households.

Friedline noted that $300 in savings isn’t enough to rent a first apartment. She says the findings emphasize the importance of encouraging children, especially those in low-income families, to begin saving money at a young age.