While millennials garner much of the negative press around financial issues — they live with their parents because they can’t get jobs! They spend all their money on avocado toast! — Gen Xers may be the ones who are really in trouble. What’s more, they may be less likely than others to do something about that: Just 16% of Gen Xers say that they included financial planning in their 2019 goals, according to a recent survey from Allianz Life. They’ve got the most credit card debt of anyone — yet still spend more than anyone on non-essentials.