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Whether you've recently gotten married or you prefer to identify with a name of your choosing, changing your legal name is an important task when considering your financial future.

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Recent data from Experian shows how credit card debt varies across generations. Generation-Z carries an average balance of $3,493; Millennials hold $6,961 and Generation-X carries the most at $9,600.

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High credit card balances go well beyond a monthly statement. According to Akinwande et al., persistent debt leads families to drain emergency savings to keep up with interest and minimum payments.