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That meanscritical early decisionslike student loans, credit cards and budgeting were often made without guidance.
By the time financial literacy is introduced, bad habits may already be ingrained.
The Credit One study found that 35% of Gen Z only discuss money during times of financial stress.
That reactive approach makes it harder to plan long term, reinforcing anxiety rather than confidence.
33% of millennials feel financially worse off than their parents compared to just 19% of boomers.
But learning from family isnt always enough, especially when parents themselves lackedstrong financial habits.
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