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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?

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.

Do you remember the first time you started thinking about money as something more than what your parents loaned you for lunch?

Ahhh the circle of (higher education) life. You go to school for four (or more) years, work hard to get a degree and a good job that pays your student loans.