It’s funny, I read that and was like…and?

I definitely have less than $1000 to my name at all times except on payday before I’ve paid my rent. And I definitely only pay my minimum payments on credit cards and can barely pay those. But I’m 28 and everyone else I know is in that same boat. “Serious risk of financial ruin” seems dramatic, I mean I guess, but that’s kind of the hand millenials were dealt.