As a generation, millennials are facing unique, systemic financial obstacles, including higher student loan debts, a tough job market, and more. This can leave them feeling overwhelmed. Almost two-thirds of millennials say they live paycheck to paycheck. Studies show that African American millennials consistently report significantly greater economic vulnerability than whites and Asian Americans. As a result, many are delaying traditional adulthood milestones, including homeownership. The reality is that for many millennials, the American Dream feels out of reach.