Many young Americans have a large amount of debt even before they begin working. Millennials -- people between 18 and 35 -- are worried about paying their student loans, so many of them are not using credit cards. Some experts believe this trend may have a long-term effect on the economy. Stefanie O’Connell graduated from New York University with a degree in drama and a large amount of debt. There were not many jobs for someone with her education. So she became cautious about how she spent her money. That behavior caused her to begin a new career as a financial expert. She writes a blog about wealth management. It has helped her to learn that many millennials share her situation. They’re very 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 is a smart risk, like investing.