SPRINGFIELD, Mass. (WWLP) - Managing debt in your 20s and 30s can be be overwhelming, but experts say there are ways you can tackle your finances responsibly. Twenty-four-year-old Lillian Zhang offers financial resources and education on TikTok with a following of more than 100,000 viewers. Zhang began sharing her knowledge on TikTok for those interested in financial wellness, accommodating to Gen Z and Millennials. Deadline approaches for Massachusetts residents to enroll in health insurance Though only in her early 20s, she is aware of the risks when it comes to accumulating debt, like student loans and consumer spending. Tracking your purchases and asking yourself, "Do I really need this?" is where intentional spending begins. Those in their 20s and 30s often fall into store deals like the "Buy now, pay later" trap, creating impulsive habits. However, there is a way to manage where you put your money during desperate times. "Set up an automatic savings contributions from your checking account or direct deposit," Zhang said. "This way you have a set amount of money directly being funneled into a different account where you can't touch." Long-time financial advisor Mark Teed is reminding the younger generation that credit card charges add up, often adding fuel to the fire. Holding expenses down to be efficient is only temporary. Making automatic savings a part of your budget will help build towards your future. "To go into debt to go to your bachelorette party or to go help a friend sounds wonderful, but that's the kind of debt that you never get rid of, it builds up on your credit card," Teed said. Being in your 20s and even your 30s is a time of major life changes and financial decisions. Some debt in these stages can add value like education, or give you the tools to help kick off your career. But you'll need to be aware and spend with intention. Local News Headlines Home surveillance camera captures Springfield car break-ins Springfield residents warned of fraud water commission employees STCC to offer accelerated Registered Nurse degree program How to manage debt responsibly as a young adult WWLP-22News, an NBC affiliate, began broadcasting in March 1953 to provide local news, network, syndicated, and local programming to western Massachusetts. Watch the 22News Digital Edition weekdays at 4 p.m. on WWLP.com.