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I never paid much attention to my credit score. I’m sure someone checked it when I rented my first apartment and again when I bought my first home, but I couldn’t have told you what it was.

Yep, you read that correctly and yes, I am the millennial you have heard about. I have lived with my parents for 29 years. By living at home, I have been able to pay down credit card debt and student loans.

I was managing my money instead of my money managing me.

Have you ever bought something crazy and regretted it?

Have you ever checked a balance on one of your financial accounts and noticed money was missing?

I heard a statistic the other day that stopped me dead in my tracks. Forty-nine percent of millennials spend more going out to eat than on retirement.