USA Today would like you to know that Generation Y (which is now defined as "anyone born from the 1980s to 2000," in case you're keeping score), for all its millennial optimism, is overall pretty broke! Only 58% of them pay their monthly bills on time, says one firm, while another says that 43% of them are building up "too much" credit card debt. (The "too much" threshold is not explained here. But those late fees can't help!) A Real Live Youth explains: "When you get a little bit of money, what do you do with it? Do you pay off your credit cards, put it toward student loans, make [...]