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 Members of Generation Z are saving and spending in ways that defy stereotypes. antoniodiaz / Shutterstock.com

Cynics mock Generation Z — folks roughly between the ages of 12 and 27 — as being financially clueless. In some ways, these younger Americans make for an easy target. It’s hard not to chuckle when 25% of Gen Zers say they will need therapy to deal with the stress of filling out their tax form — and more than half say the process brings them to tears. But when it comes to money…

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