Young adults have more ways to invest and grow their income than ever thanks to the availability of digital tools and versatile investment solutions. Yet, there’s still a lack of action in many cases. According to Annuity.org, 75 percent of teens in the U.S. don’t have personal financial literacy skills (which they ain’t gonna pick up in school either) and, 23 percent of adults between the ages of 18 and 29 have some credit card debt that’s more than 90 days late.