If Brexit and the housing crisis hasn't got you depressed enough already about the state of your finances, check out this well meaning but quietly devastating advice from finance expert Kelly Smith.
A writer for The Penny Hoarder, Smith told ATTN that by the time you're 30 you should have six months worth of expenses saved up.
"I think the goal at any age is to get to the point of having six months of living expenses saved up. Admittedly, it's harder in your twenties but it's a good time to start," Smith said.
Obviously 'six months of expenses' is a relative concept, but given the average cost of living is estimated to be £1990, that means you should have £12000 in your bank account right now.
At the very least, Smith says, you should have £1000 put away for emergencies.
Don't panic if you haven't, though – the same report points out that according to Time, three-quarters of Millennials have less than that amount saved and around a third have no savings at all (in America, at least).
In any case: a useful reminder to start saving, or at very least buying a lottery ticket each week.