♪ ♪ >> can you try again? >> really declined. [screams] >> how are you going to pay this debt? >> that moment from the movie con investigations of a shopaholic illustrates just how bad the credit problem is among young people. new survey finds disturbing number of millennials think missing a credit card payment would actually improve their credit score or have no negative consequences at all. nicole is a financial expert and "new york times" best selling author who has written two books on managing finances and succeeding in the workplace and she joins us now. good morning, congratulations on the success of your book. >> thank you. ainsley: so you are the expert perfect for this topic. this survey is astounding to me. why do you think that millennials are not educated on this topic. >> we don't learn this stuff in school, right? we learn how to dissect a frog. why do we need to know that? we snow the theorem. why do we need to know that we
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