Reply to NYT Opinion Piece: This Isn’t What Millennial Middle Age Was Supposed To Look Like

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I thought it was a good article.

I am an early millennial who is married, home, and one kid. It's not fully expected or achievable any more.

And, my parents had a comparable home in this area, but many MORE kids (3) and lower-paying jobs (GS-13 equivalent military and SAHM who later worked PT as teacher, versus us today as two GS-15 level).

Also, unless people understand student loans, they don't fully understand the ramifications.

[b]People don't really get how student loans can impact their life [/b]even when it's explained to them, when younger people have asked me advice about career tracks, etc.

I have a graduate degree that is not the most prestigious but these many years out career counts much more. Going for highest "prestige" can mean more stress and negative impacts to present and future (savings for kid etc).

[/quote]

I think this is key. [b]Teaching young people what debt is and somehow getting them to listen is important[/b]. But, as PP noted, younger adults are not necessarily inclined to hear that advice.

As for the statement that being married with home and kid isn't achievable anymore, it is. You have to be willing to do stuff for it, though. Like move to a lower COL.[/quote]

This! It’s part of why I give my kids an allowance and let them make choices with it I wouldn’t necessarily want them to. My oldest wanted to sign up for a one year subscription video game thing. I said okay but you have to pay me back the monthly break down from your allowance. Let me tell you, a few months in he was not happy about having to pay me back each month before getting the rest of his allowance paid out. But he had committed to repaying me for the full year. Once the year was up he was so happy to no longer owe it and said he wouldn’t be buying stuff like that on a whim anymore. I also explained he was lucky he didn’t owe interest, that I only made him repay the principle. Imagine if I had charged you extra on top of that.

I hope this lesson sticks with him. It’s so much easier to understand when it’s tangible and you have to live with the consequences. [/quote]

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