Article placement secured as part of a paid partnership with a PR firm that sought various media opportunities for Casey Weade and Howard Bailey.

As the youngest daughter of two borderline baby boomers, like many other Generation Yers, I grew up watching my parents spend cash faster than they made it and had no concept of financial planning whatsoever.

When I scored my first full-time job after college, I'll never forget the rush I felt seeing all those numbers fill up my bank account. I bought new furniture for my apartment, stocked my closet with fancy new work clothes, and spent paydays filling my shopping cart on Amazon.com.

Ten weeks later, my entire department was laid off.