Generations X’s aren’t slackers; they just need more guidance, according to research sponsored by Charles Schwab.Those between 27 and 42 work hard, but they have more debt than cash, according to The Boston Globe. This, coupled with a distrust of financial services, means this generation lacks the guidance it needs to correct these problems.

“They aren’t’ being well served,” said Jonathan Craig, who spearheads Schwab’s efforts to reach out to thirtysomethings.

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