You would have to be wearing some very rosy glasses to think that everything is going great for Millennials. As with past generations Millennials, currently ages 23 to 38 (although some say it’s more like 26 to 38), have some obstacles they need to face. In addition to those common to all generations of young people, Millennials are also facing student-loan debt and rising costs of living. But that’s not the whole story, and if you’re a young person you shouldn’t panic, there’s a lot to be optimistic about. If you’re a Millennial, here are a few things you can celebrate.

Millennials are Communicative

Millennials, overall, are far more open about their financial situations than past generations. Whereas, in the past, young people may have hidden or lied to their friends and family about the state of their bank accounts, today there is less of a stigma attached to the “struggle” of being a young person. This is a good thing. It’s good to be able to honestly tell your friends “I can’t go out tonight, I have to save money.” Living beyond your means is a very bad habit, one that hopefully Millennials can avoid more effectively than past generations.

Millennial Women are Earning More than Ever

More than twice as many Millennial women are earning more than their partners (as compared to past generations). Also, more Millennial women are financially independent than ever before. This is social progress the implications of which we are only beginning to see.

Less Credit Card Debt

Millennials have less credit card debt than past generations. This is probably because by the time many Millennials came of age the government had already cracked down on many of the scams that trapped past generations into years’ worth of burdensome debt. Millennials may more student loan debt but, thankfully, we don’t also have credit card debt.

Millennials are Optimistic

Nearly half of millennials (48%) think they have less debt than their peers (17% said they didn’t know). Optimism compliment with a realistic outlook is a very valuable tool. You don’t want to be delusional, but believing in yourself and your ability to manage your financial situation (however difficult) is an incredibly valuable tool. The percentage of millennials who think they’re financially worse off than their peers (37%) is also notable because it’s lower than the percentage of Gen X who think they’re financially worse off than their peers — 43%. And when asked how they would rate their financial health, slightly more than 41% of Gen X said it’s not very good or not good at all. That’s worse than millennials, 37% of whom said the same.

Millennials are Entrepreneurial

Many Millennials (in some surveys more than half) are natural-born entrepreneurs. More people under the age of forty are starting their own businesses than ever before and they’re doing it because they are curious and unwilling to merely accept the status quo. This kind of pushing against tradition may rub some people the wrong way but it’s also inspiring to think of how many opportunities there are for ambitious young people to improve their professional lives.