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<div id='article-page'><div id='article-content' data-media-url='//news-app-staging.s3.amazonaws.com' data-base-url='//news-app-staging.herokuapp.com' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/millennials_spending.m4a' data-capture-url='//staging.analytics.lingraphica.com/events/capture_news' data-article-title='American Millennials are Cautious About Spending' data-article-id='1839'><script src='//news-app-staging.herokuapp.com/javascripts/getscripts.js'></script><link rel='stylesheet' href='//news-app-staging.herokuapp.com/stylesheets/article.css' type='text/css' /><div class='article'><p><span data-start-time='0' data-end-time='9083'>Many young Americans have a large amount of debt even before they begin working. </span> <span data-start-time='9083' data-end-time='24271'>Millennials -- people between 18 and 35 -- are worried about paying their student loans, so many of them are not using credit cards.</span> <span data-start-time='24271' data-end-time='32563'>Some experts believe this trend may have a long-term effect on the economy.</span> <span data-start-time='32563' data-end-time='44438'>Stefanie O’Connell graduated from New York University with a degree in drama and a large amount of debt.</span> <span data-start-time='44438' data-end-time='50250'>There were not many jobs for someone with her education.</span> <span data-start-time='50250' data-end-time='56417'>So she became cautious about how she spent her money.</span> <span data-start-time='56417' data-end-time='63979'>That behavior caused her to begin a new career as a financial expert.</span> <span data-start-time='63979' data-end-time='68958'>She writes a blog about wealth management.</span> <span data-start-time='68958' data-end-time='75521'>It has helped her to learn that many millennials share her situation.</span> <span data-start-time='75521' data-end-time='79479'>They’re very wary of spending beyond their means.</span> <span data-start-time='79479' data-end-time='82917'>They’re wary of tools like credit cards.</span> <span data-start-time='82917' data-end-time='90542'>They’re wary of taking any kind of risk -- even if it is a smart risk, like investing.</span> </p></div><div class='control-buttons-sticky' style='display:none;'><div class='control-buttons'><button title='Back' class='back' disabled='disabled'></button><button title='Play' class='play' disabled='disabled'></button><button title='Pause' class='pause' style='display:none;'></button><button title='Forward' class='forward' disabled='disabled'></button><button class='finished-reading' style='display:none;'>Done</button></div></div></div><div id='article-media'><div id='media-image'><img src='https://news-app-production.s3.amazonaws.com/articles/1353/millennials_spending.jpg'/></div></div><div id='question-content' style='display:none;'><div class='vocabulary_question question-container' data-question-id=7093 data-hint-location='63979' style='display:none;'><div class='question' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/what_does_blog_mean.m4a'>What does blog mean?</div><div class='choices' data-correct-choice='a website in which people write their opinions, experiences or activities'><div class='choice' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/an_electronic_encyclopedia.m4a'><span>an electronic encyclopedia</span></div><div class='choice' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/a_website_where_you_can_talk_to_your_friends.m4a'><span>a website where you can talk to your friends</span></div><div class='choice' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/a_website_in_which_people_write_their_opinions_experiences_or_activities.m4a'><span>a website in which people write their opinions, experiences or activities</span></div><div class='choice' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/a_website_where_you_can_watch_videos.m4a'><span>a website where you can watch videos</span></div></div></div><div class='multiple_choice_question question-container' data-question-id=7094 data-hint-location='9083' style='display:none;'><div class='question' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/what_are_millennials_worried_about_paying_off.m4a'>What are millennials worried about paying off?</div><div class='choices' data-correct-choice='student loans'><div class='choice' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/government_funds.m4a'><span>government funds</span></div><div class='choice' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/student_loans.m4a'><span>student loans</span></div><div class='choice' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/electric_bills.m4a'><span>electric bills</span></div><div class='choice' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/taxes.m4a'><span>taxes</span></div></div></div><div class='sentence_completion_question question-container' data-question-id=7095 data-hint-location='0' style='display:none;'><div class='question' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/many_young_americans_have_a_large_amount_of__blank__even_before_they_begin_working_.m4a'>Many young Americans have a large amount of <span class='blank'>debt</span> even before they begin working. </div><div class='choices' data-correct-choice='debt'><div class='choice' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/debt.m4a'><span>debt</span></div><div class='choice' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/knowledge.m4a'><span>knowledge</span></div><div class='choice' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/friends.m4a'><span>friends</span></div><div class='choice' data-sound-name='https://news-app-production.s3.amazonaws.com/articles/1353/money.m4a'><span>money</span></div></div></div><div class='question-buttons'><button class='skip-button'></button><button class='hint-button'></button><button class='speak-button'></button></div></div></div>
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