I wasn’t born with a silver spoon in my mouth. I was born with two hands so I could work and achieve success on my own. What I do have is the result of my own (and my husband’s) hard work.

Our parents are baby boomers, and they are the richest generation in the United States today. There’s nothing that irks me more than to hear 20-something-year-old college kids who have $12 in their checking account talk about how rich they are. It makes me cringe to hear them mock someone’s fake Ugg boots or Coach purse, because they can afford the real thing.

I have news for you: your parents are rich … not you!

For those who fall into that category, congratulations for being born into a family of hardworking parents who know the real value of a dollar.

But some analysts have coined the Y generation–those born between 1977 and 1994–as the “spending generation.” They are the largest consumers in the history of America.

So, with close to 40 percent of gen Yers out of steady work during the recession, I’m wondering how all these people just a couple years younger than me can afford a Lexus and more.

Well for one, their parents. It’s nothing to be ashamed of. Own it. Many college kids are enjoying the luxuries their parents have created for them. Look, I’m sure if my parents were writing me monthly checks I’d take it too!

But please don’t for one minute try to take credit for all you have. Remember, it’s your parents that are rich. Their blood, sweat and tears are putting you through college and sending you to Europe next summer.

Generation Y also has the most debt accumulated compared to all previous generations. Anyone can get a credit card. You’re not special if you carry one around. You’re special if you can pay it off each month. The National Foundation for Credit Counseling reported 58 percent of gen Yers paid their bills on time in 2010, so I’m guessing plenty are in debt. Fidelity Investments reported 20 percent of our generation is more than $10,000 in debt.

So, maybe it just appears like some of our closest friends are rolling high, when in essence they’re not. Or maybe they’ll just turn to mom and dad to bail them out of debt.

I’m not trying to knock down people who’ve had a wonderful life handed to them, I’m just trying to educate the few who feel some sense of entitlement because they grew up in a bigger house than I did and always seemed to rub it in my face.

If you were given a grand life, don’t waste what your parents worked hard for and then brag about how rich you are. Because you’re not. Your parents are.