The next generation of financial consumers may be moving home after graduating from college, according to a new survey examining financial literacy among teenagers.

According to a study conducted by Junior Achievement USA and AIG, the “2018 Junior Achievement Teens & Personal Finance Survey,” only half of all teens view gaining financial independence from their parents as a goal for the future, as opposed to 75 percent of teens that see graduating college as the goal.

Approximately 1,000 teens between the ages of 13 and 18 participated in the survey, in which researchers sought to better understand how this generation thinks about their personal finance and planning for their financial future.

“Millennials have sometimes been referred to as ‘the Boomerang Generation’ because during the economic recovery many moved back home with their parents after college due to a weak job market and student loan debt,” said Jack Kosakowski, president and CEO of Junior Achievement USA, in a statement.

While the majority of teens view graduating from college as their top financial goal for the future, only half indicated that creating a savings plan was a financial goal. Thirty-seven percent felt they should be able to afford international travel. One-third of the Gen Z participants said that starting their own business was a goal, while only 29 percent said that retiring before age 65 was.

According to a 2015 U.S. Census Bureau report, The Changing Economics and Demographics of Young Adulthood, about 24 million 18- to 34-year-olds lived in their parents’ home, and one in four of those young people did not attend school or go to work.

“This survey may be showing that today’s teens, Generation Z, could be seeing that as a situation they will encounter down the road,” Kosakowski added.

Fifty-four percent of teens surveyed said paying for college was the top concern for the future, and finding a fulfilling and well-paying job was also a top concern for 52 percent of them. Almost half said that being able to afford a home was a future financial goal.

The girls in the survey were more concerned than the boys.

The participants were also concerned about not having enough skills to manage money and not having savings for an emergency, a problem for 41 to 42 percent of them.

When the participants were asked about personal finance and budgeting, they were reluctant to cut expenses: Only 10 percent said they would be able to cut out their cell phones to save money, while only 9 percent said they would cut the internet, and only 6 percent would go without insurance.

However, 75 percent said they would be willing to cut back on entertainment such as streaming services.

The survey revealed that 72 percent of teens get their financial education from their parents or guardians, while family members and friends were consulted approximately one-third of the time. Thirty-three percent of the participants said they used online resources and social media for financial advice.

Only 18 percent consulted with their high school guidance counselor for financial advice and only 14 percent asked for assistance from a professional financial advisor.

Looking into the future, the survey asked the teens about how they saw bitcoin and cryptocurrencies influencing their financial future. About half of the teens (48 percent) said these currencies will have a role but won’t replace actual money. About one in five (17 percent) thinks crypto-coins are the future of money, while about the same percentage think it’s “all hype.” Nearly 20 percent hadn’t heard of bitcoin or cryptocurrencies before taking the survey.

“It’s apparent from these findings that today’s youth think a lot about their financial futures and are looking for ways to be better prepared to be successful at managing money,” said Laura Gallagher, the global head of corporate citizenship at AIG, in a statement. “One way AIG is helping on this front is by partnering with organizations like Junior Achievement to get young people the information they need to be more prepared and to feel more confident about their futures.”

Wakefield Research conducted the JA/AIG survey among 1,000 U.S. teens, ages 13-18, who are not currently enrolled in college, between March 9 and March 16, 2018, using an e-mail invitation and an online survey.