With an unemployment rate of more than 13 percent[1] and an average salary of $39,700[2], financial institutions might be inclined to dismiss Generation Y, the demographic group also known as “Millennials.” They may be currently struggling, but Gen Y is still very optimistic about their financial future. Nearly 90% of those 18-34 believe they have enough money now or expect that they will in the future.[3] Banks and credit unions should be optimistic too.