How millennials and Gen Z maintain motivation in tough economic times, high debt, & political crisis

Yes, millennials and Gen Z are both high debt users, with Gen Z having more debt than millennials of the same age:
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Debt growth
Between 2021 and 2023, Gen Z increased their non-mortgage debt by 99%, which is more than any other generation. Millennials and Gen Z also increased their credit card debt by 174% and 26.2%, respectively.

Credit card debt
Gen Z has a higher percentage of maxed-out credit cards than millennials:
- Gen Z: 15.3% of Gen Z Americans have maxed out their credit cards.
- Millennials: 12.1% of millennials have maxed out their credit cards.

Debt load
Gen Z has more debt of all kinds than millennials of the same age, including credit cards, car loans, and mortgages.

Debt-to-income ratio
Debt loads have increased faster than rising incomes for Gen Z. At the end of last year, debt was equivalent to about 16 percent of Gen Z's income, compared with 12 percent for millennials a decade earlier.

Total credit card debt
The total credit card debt in the U.S. topped $1.13 trillion by the end of 2023, the highest on record.