Millennials need to start planning for their financial futures even before they begin college, said Christine Romans, author of 'Smart is the New Rich.' Romans added that high school seniors should consider state schools or lower priced colleges in order to lessen their debt loads following graduation. She said millennials should consider a STEM education because it leads to higher earnings power over the course of their lifetimes. Romans said the millennial generation needs to get their housing costs down by living at home with friends until they can afford to buy a home. Finally, Romans advises millennials to start investing as soon as possible, getting help from an adviser or their parents if necessary.
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