The Millennial Generation often comes with a negative connotation. That’s because older generations tend to stereotype Millennials as being “selfish,” “lazy,” and “entitled.” But those stereotypes hold zero merit, as they are not based on actual facts. The following key findings are based off a report published by Goldman Sachs.

1. Millennials Are Putting Off Marriage and Children

Research has shown that Millennials are waiting until they are much older in life to settle down. Statistics show that in 2010, the average marriage age was 30. Compare that to the 1970s, when the average marriage age was 23.

2. They’re Not Buying Cars

Cars are expensive, so it’s no surprise that many Millennials are resorting to alternative modes of transportation. Rather than take out a car loan and pay all the other costs that are associated with vehicle ownership, Millennials are instead using public transportation and ride-sharing services like Uber.

3. They’re Not Buying Homes

Similar to their reluctance to buy a car, Millennials are also hesitating to buy a house. According to a 2013 Goldman Sachs Fortnightly Thoughts intern survey, only 40% of Millennials felt that buying a house was “extremely important,” proving that home ownership isn’t valued as much as it was by previous generations.

4. They Value Their Health

Statistics show that Millennials are eating healthier, exercising more, and smoking less than previous generations. What this means is that Millennials value their health and are willing to invest in products and services that contribute to their wellbeing.

5. They Trust Ratings and Reviews, Not Fancy Advertising

Due to growing up in a digital age, Millennials are far more likely to rely on ratings and reviews rather than brands. In many ways, this is a good thing as it forces manufacturers to spend less money on advertising and invest more money into developing higher quality products.