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Let’s make it clear right off the bat: Your generation is the best generation, OK?

And no matter which generation you happen to belong to, there’s plenty you can learn from the financial mistakes of previous generations, who all behaved in financially unwise ways.

If you’re Gen Z, you can avoid the house-hunting regrets of millennials. If you’re a millennial, you can learn from the credit card disasters of Gen X. If you’re Gen X, there’s still time to avoid repeating the retirement mistakes of the baby boomers. And if you’re a boomer, hey, you already know everything, right?

Kidding, y’all! We’re just kidding! (Full disclosure: The writer of this piece is Gen X, so he doesn’t really matter.)

What can we learn from previous generations’ financial mistakes?

1. Gen Z? Avoid Millennials’ Regrets

If you’re Gen Z, you can avoid the house-hunting regrets of millennials.

A survey of homebuyers in 2017 found that 57% of millennial homeowners surveyed would have done something differently if they got a do-over on the homebuying process. More than a quarter — 28% — wished they’d saved more before making the purchase.

It’s easy to automatically sock away some savings with an app like Aspiration. With a digital Aspiration account — a hybrid of checking and savings — you can earn up to 20 times the average interest on your savings balance. (The FDIC reports that the average account earns just .05%.) You also get a debit card that earns you up to 5% cash back on purchases.

You can automatically sock away some savings every payday. It takes five minutes to sign up.

2. Millennial? Avoid Gen X’s Credit Card Hell

So, we’re obviously not going to talk about millennials like, you irresponsible kids and your avocado toast. The fact is, elder millennials are pushing 40 these days. Millennials are middle management now.

So it’s not too late to avoid being sucked into the credit card hell that mauled Generation X so badly. And I say that as a member of Generation X.

Credit card debt is the most expensive kind of debt, and your credit card company is just getting rich by ripping you off with high interest rates. But a website called AmOne can help you fight back. It’ll match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

It takes two minutes to see if you qualify for up to $50,000 online.

3. Gen Z or Millennial? Don’t Wait Too Long to Start Investing

If you’re young, here’s another thing to learn from your elders’ misguided ways. Many of them wish they’d gotten started investing back when they were your age.

For example: These days, Amazon stock is valued at around $3,700 a share. Twenty years ago, it was $14. A relatively modest investment back then would have easily made that investor a millionaire by today.

You really don’t need much to get started. Whether you’ve got $5, $100 or $800 to spare, you can start investing with Robinhood.

Yeah, you’ve probably heard of Robinhood. Both investing beginners and pros love it because it doesn’t charge commission fees, and you can buy and sell stocks for free — no limits. Plus, it’s super easy to use.

What’s best? When you download the app and fund your account (it takes no more than a few minutes), Robinhood drops a share of free stock into your account. It’s random, though, so that stock could be worth anywhere from $2.50 to $200 — a nice boost to help you build your investments.

4. Save for Retirement, for Crying Out Loud

You’ve probably heard there’s a retirement crisis in America. In study after study, half of Americans expect to struggle financially in their golden years because they won’t have enough retirement savings.

One of the smartest things you can do for your future — by a mile — is to set aside money from your paycheck to put into your 401(k). And if your employer matches each contribution, that could mean hundreds of thousands of extra dollars in your account when you retire. It’s free money!

But if you can’t take advantage of this employer benefit because you need all of your paycheck every month, a company called Lendtable will give you the cash.

We know it sounds too good to be true. But if your employer has a 401(k) match program, this is money they already have earmarked for you. By using Lendtable, you’ll be able to unlock that free cash.

Let’s say you make $50k a year and your employer matches your 401(k) contribution up to 4%. If you put $0 in your retirement account this year, you get $0 from your boss. If Lendtable lends you the 4% of your salary your employer is willing to match, you get $2,000 from your boss, minus Lendtable’s fee. (This comes from the extra money you’ve earned, so there’s no sacrifice on your part.)

It takes three minutes to answer a few questions about your eligibility and sign up for an account.

5. No Matter Your Age, Think About the Next Generation

No matter what your generation — no matter what your age — this past year has made a lot of us think about our mortality.

There was a surge of interest in life insurance during the pandemic, as more Americans realized they probably need it.

Also, more people are seeking out no-exam life insurance because they don’t want to go to a doctor’s office for an in-person exam. Companies like Bestow use algorithms instead of medical exams to evaluate applicants.

Rates start at just $16 a month. You could leave your family up to $1 million. The peace of mind knowing your family is taken care of is priceless.

If you’re under the age of 54 and want to get a fast life insurance quote without leaving your home, get a free quote from Bestow.

Whether you’re Gen Z, a millennial, Gen X or a baby boomer, there’s plenty you can learn from previous generations about what to do — and what not to do.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He is a member of Generation X so, like, whatever man.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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