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Stefanie O'Connell graduated from New York University with a degree in drama and a big debt. With few job opportunities,she became cautious about her finances, that has led her onto a completely different career path,as a financial expert.
Stefanie OConnell毕业于纽约大学戏剧专业，毕业时还欠了一大笔债务。由于工作机会很少，她现在对自己的财务十分谨慎，而这也导致她走上了一条完全不同的职业道路——她成为了一名财务专家。
Through her wealth management blog, she has discovered that a lot of millennials are just like her.
通过财产管理博客，她发现了一大批千禧一代的大学生，他们跟自己情况是一样的。
"They're wary of spending beyond their means,They're wary of tools like credit cards. They're wary of taking any kind of risk, even if it really is something that's a smart risk, like investing."
"他们消费时都小心翼翼的，生怕入不敷出。对待信用卡之类支付工具的态度也是十分谨慎。另外，他们特别害怕承担任何一种风险，哪怕是很小的风险，比如投资。"
What O'Connell sees among her blog readers is supported by Federal Reserve data,which indicates the percentage of Americans under 35 who hold credit card debt has fallen to its lowest level since 1989.
OConnell对自己博客读者的了解来源于美联储数据的支持，数据表明，35岁以下的美国人，他们持有信用卡贷款的比例下降到了1989年以来的最低。
Credit cards are an integral part of the U. S. financial system. Without one, it becomes harder for young people to purchase many goods and services,from a cellphone to an apartment.
信用卡是美国完整金融系统中的一部分。如果手里没有一张信用卡，年轻人很难购买到诸多商品和服务，小到手机，大到公寓，无不如此。
"It's critically important for a young person to build credit, to build strong credit," "It doesn't mean that you over credit yourself, but it means that you are wise about your credit,you are a responsible payer, and you don't get yourself in over your head."
"下面这件事至关重要，年轻人一定要建立信誉，建立良好的信誉，"Levin如是说道。"这并不意味着你要过度的赞颂自己，而是说对于自己的信誉你要十分明智，你是一个负责任的消费者，千万不能让事情脱离你的掌控。"
Apps like Level Money, also known as the financial GPS,can help young people build credit while living within their means.
一些软件，比如Level Money，又叫做financial GPS，可以帮助年轻人一边建立信誉，一边还可以量入为出。
The apps serve as an online adviser,helping them make better spending decisions and not go deeper into debt.
这些应用程序担任着线上顾问的角色，帮助年轻人做出更明智的消费选择，防止他们在债务中陷得更深。
