They don’t want to emulate children at 30. Gen Y members rely on their parents as a back-up plan for making ends meet. But they’re not living at home or accepting money out of greed or laziness, they’re doing it because it’s available to them and socially acceptable. Most of them are taking the help because in this tough economy, it’s their only opportunity to achieve a goal such as finishing a degree or purchasing a home, and once they’re financially independent and thriving, they’ll relish in it.

They’re passionate workers. They become easily bored with jobs that entail punching a clock and engaging in the same activities day in and day out. Working for companies with missions that don’t align with their personal interests or beliefs is also a turn-off. But if they’re doing work that’s meaningful and challenging, they’ll give their all to a job. They’re interested in working for small companies and start-ups, and credit unions should also take note that they have a thing for nonprofits. The problem is, it’s hard for them to land dream jobs that pay a living wage. They’re willing to accept imperfect jobs until they find something that makes them happy.