This study looks like they also made sure the person answering said they regularly run out of money and have to rely on credits cards, etc.

I regularly run out of money and have to rely on credit cards or family for financial support.

https://news.prudential.com/presskits/generational-gap-grows-work-money-outlook-divided-fact-sheet.htm

I'm not sure which survey you're referring to but it looks this one is straightforward at getting to the same conclusion