If you’re part of Gen Z, you’ve probably heard enough of grumpy Baby Boomers, Gen Xers and Millennials grumbling about how lazy the kids are these days or how the younger generation doesn’t have a work ethic or has a sense of entitlement.

Yes, it’s true the older generations, who grew up at a time when college cost a fraction of what it costs today and renting an apartment in the cool part of the city didn’t drain two paychecks, love to talk about how easy young people have it.

With rising home prices and huge student loans, it can be hard for Gen Zs to get a financial foothold in this world. 

However, credit is widely available, and if used wisely, can be a tremendous help.  Listen in to learn 5 biggest mistakes others have made, so you can avoid them.