Generation Y, or the millennials, get a lot of flack on lots of fronts. While every older generation may hold some resentment towards the new one for not appreciating what they have, times can change for the worse as well. In many ways, millennials are at a disadvantage financially. With the stress of student loans and the complications of finding a job, some young people are discouraged by their futures.

Here are four unique ways millennials might be challenged, and how they could solve these issues.

1. Budgeting. Life is unpredictable, and it’s hard enough making a budget. Sticking to a budget can be hard, especially when many young people’s lives are wild and full of opening and closing doors. Big decisions can throw their budget into the trash, or reformat it completely. Make short-term goals, and leave room for changes.
2. Debt. From student loans to credit card debt, the age for burden is getting younger. Many people under the age of 26 are already saddled with student loans by the time they get into college, and they can struggle underneath it for years. Don’t ignore your debt, but try to build your life despite it. It shouldn’t own your life or your thoughts, but it shouldn’t leave either. Give it a place to stay, but don’t be your debt’s butler.
3. The cost of renting. While in the long run, buying a house can be a much better investment, many young people do not have the resources to sink their teeth into such a permanent agreement. Their lives are rapidly changing, and buying a house can be a ball and chain that could haunt them forever. Try laying your investments elsewhere, and put your money in smart places.
4. Emergency funds. Everyone is going to have a few emergencies in their life. From sick family members to injured pets to personal issues, many young people may not have money to sock back for a rainy day fund. Having money put away for a stressful time can be vital to reacting to a situation, so be sure to put a dollar or two into your piggybank every week.

It’s easy to get confused, especially when you’re young and thrust into a world of responsibility. 2BenefitU realizes this, and offers a special service for anyone with questions, no matter their age. Don’t be afraid to ask questions, and build a future you can enjoy.

Depression is a serious illness of the brain, and it can affect more than just one person. If you or a family member has or had depression, you know up close what this disease can do to people’s physical and mental health. It’s always important to reach out and conquer your demons, and finding role models and representation can help inspire you to think better, do better, and be better.

Here are just a few celebrities who have wrestled with their mental illness and come out on top.

1. Rosie O’Donnell. This big name is best known for her show ‘The Rosie O’Donnell show’ and she has spoken about her depression many times. Like a number of other comedians, she suffered from bouts of depression for much of her life, and overcame it with the help of anti-depressants and a colorful outlook on life.
2. Russel Brand. Being a man, he found it hard to express his emotions, and his sadness, without being scorned or mocked for being ‘weak.’ He speaks about his experiences with drugs, alcohol, and improper coping methods in his book, and encourages others to find help.
3. Catherine Zeta-Jones. This beautiful starlet was diagnosed with bipolar II disorder, and shortly after being released from rehab, she went public to raise awareness. She still speaks out against those with biased opinions about manic depression, and has made great strides to support victims of bipolar disorder find help and acceptance.
4. Ellen DeGeneres. Because of her sexual orientation, she lost everything, including her happiness. She now lives happily, and works constantly to encourage acceptance for people of all sexuality.
5. Demi Lovato. After being grilled about the uniform scars on her arms, Demi Lovato came to reveal she was a victim of depression and an eating disorder. She has beaten her depression and her ED, but she still fights for the equal treatment of mental illnesses among other diseases.
6. Ruby Rose. After revealing her depression in a series of emotional statuses, she encouraged others to seek treatment and keep living. She encourages victims of depression to find anything to hold onto, whether it be a pet, a friend, or a family member.

If you or a loved one is suffering from depression, it is important to know you are not alone. 2BenefitU also offers counseling packages, so no matter where you are or what time it is, you will always have someone to talk to.