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People say how “kids these days” don’t understand hard work and are terrible with money. Younger generations are easy targets for their older counterparts. But if a recent study is accurate, the upcoming Generation Z might prove their older critics wrong.

According to a study released by the Center for Generational Kinetics, members of Gen Z are already working, planning for college — and even saving for retirement. One of the biggest differences between Gen Z and Millennials is their approach to college planning and student loan debt.