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Wendy woke up one day to find herself in more than $19,000 in debt, months behind in rent, and reliable on her parents\u2019 generosity to pay for her most basic needs. She began her adulthood in New York, surrounded by a city which she feels promised affluence and success, but she often sought jobs which paid little and credit cards which loaned too much too easily. Her life was unbearable come the first of each month, but she felt entitled to buy things she couldn\u2019t afford. Wendy\u2019s eye-opening moment came when asking her parents again for money, and they told her she was draining their retirement assets.