American Millennials are Cautious About Spending

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credit cards –n. plastic cards that let people spend money on credit with the understanding that they will pay it back

drama –n. the art of acting in a play or other performance

blog –n. a web log, a website in which people write their opinions, experiences or activities

wary –adj. not having or showing complete trust in someone or something

beyond (one’s) means –idiom. to be more expensive than a person can afford

financial instruments –n. financial products people use for investment, any kind of tradeable asset

critically –adv. very, extremely

over (one’s) head –idiom. to be beyond someone’s ability to understand or act