Anonymous wrote:

Anonymous wrote:You need to read a book called "the truth about money"

And stop esting out, going on vacations and drinking Starbucks.

I counter your snake oil investor (freakin annuities??) with someone with a little more illustrious If controversial background.

https://www.amazon.com/dp/0743269888/ref=cm_sw_r_cp_awdb_t1_ga-HCbGYQQYTQ_nodl

And she demonstrates its got nothing to do with dinner or coffee and generally not your 2-3 weeks of vacation.

if her plan works so great what are you complaining about?

Anonymous wrote:....and if we did stop eating out or treating ourselves to small luxuries, we'd be "killing the [x] industry."

No you won't because you will be buying houses.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I hate those self serving ads by WF showcasing a millennial couple eating out several times a week (once at a food cart), and that being the prime reason they can’t afford downpayment on a house.

Such BS. It’s sky high rent, student loans, and medical insurance — not avacado today du jour

Maybe instead of offering sham financial counseling, they offer low fixed rate student consolidation loans.

I totally get what you're saying. Sky high rents and student loans are a problem for so many. But I also feel like a lot of millennials just do not know how to save. They are a generation who has never had to endure hardship. I'm not talking personal (family divorce, low income). I'm talking generationally (war, really bad economy). I think people who have been comfortable their entire life just don't know how to prepare for the worst. Eating out three or four times a week can mean a difference between an ok place to live and a nice one.

Who was the last generation to actually endure hardship as you define it? The boomers maybe? Definitely not Gen X; if anything Millennials have had it much harder (try graduating college in 2008 and competing with 40 year olds for entry level jobs).

Lol you silly millennials, acting like the only economic downturn was in 2008. Gen Xer here graduating in 2001, one of the few lucky ones to have a job offer in the fall, with a start date of Sept. 12 2001 in NYC. How do you think that went?

I mean, the last contest I want to win is "graduated into a worse economy" but come on.

[img]
https://www.nic.org/wp-content/uploads/2017/05/Civillian_unemployment_rate_5.5.17.png[/img]

2nd. If anything, 2001-PP, your difficult experience during 6% unemployment should give you MORE empathy for the experience of those who graduated into 10%+ unemployment, not less.

2001-PP here. The millennial asserted Gen X didn't endure hardship. The chart produced proved the opposite, Gen Xers like myself who graduated in the early 2000s definitely endured hardship with high unemployment. So in addition to being a whiny complaining bunch, millennials lack reading comprehension and critical thinking.

As for the empathy comment...guess what, this Gen-Xer and many others made a 2 year commitment to grad school in early 2008, literally right before Bear Stearns collapsed, followed by Lehman and then the whole economy. A main motivating factor was to get a grad degree to help accelerate earnings to make up for the hole we were in from graduating in the last recession. Guess what, it was an awful time to go to grad school and graduate in that same crappy economy with high unemployment that you all complain about. So, Gen X has had to endure the double whammy. Meanwhile, millennials have enjoyed the greatest bull run of all time - 10 years now - since 2009, and many are already millionaires due to a ridiculously frothy tech market. I would have loved to have the greatest bull run of all time all thru my 20s. Millennials have is good!

Anonymous wrote:You need to read a book called "the truth about money"

And stop esting out, going on vacations and drinking Starbucks.

I counter your snake oil investor (freakin annuities??) with someone with a little more illustrious If controversial background.

https://www.amazon.com/dp/0743269888/ref=cm_sw_r_cp_awdb_t1_ga-HCbGYQQYTQ_nodl

And she demonstrates its got nothing to do with dinner or coffee and generally not your 2-3 weeks of vacation.

Sure, you can eat home for less, or you can eat home for just as much as eating out. For lunch I’m having Peruvian chicken from Wegmans and for dinner a steak. I dont begrudge anyone spending their money on saving time.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I hate those self serving ads by WF showcasing a millennial couple eating out several times a week (once at a food cart), and that being the prime reason they can’t afford downpayment on a house.

Such BS. It’s sky high rent, student loans, and medical insurance — not avacado today du jour

Maybe instead of offering sham financial counseling, they offer low fixed rate student consolidation loans.

I totally get what you're saying. Sky high rents and student loans are a problem for so many. But I also feel like a lot of millennials just do not know how to save. They are a generation who has never had to endure hardship. I'm not talking personal (family divorce, low income). I'm talking generationally (war, really bad economy). I think people who have been comfortable their entire life just don't know how to prepare for the worst. Eating out three or four times a week can mean a difference between an ok place to live and a nice one.

Who was the last generation to actually endure hardship as you define it? The boomers maybe? Definitely not Gen X; if anything Millennials have had it much harder (try graduating college in 2008 and competing with 40 year olds for entry level jobs).

Lol you silly millennials, acting like the only economic downturn was in 2008. Gen Xer here graduating in 2001, one of the few lucky ones to have a job offer in the fall, with a start date of Sept. 12 2001 in NYC. How do you think that went?

I mean, the last contest I want to win is "graduated into a worse economy" but come on.

[img]
https://www.nic.org/wp-content/uploads/2017/05/Civillian_unemployment_rate_5.5.17.png[/img]

2nd. If anything, 2001-PP, your difficult experience during 6% unemployment should give you MORE empathy for the experience of those who graduated into 10%+ unemployment, not less.

....and if we did stop eating out or treating ourselves to small luxuries, we'd be "killing the [x] industry."

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I hate those self serving ads by WF showcasing a millennial couple eating out several times a week (once at a food cart), and that being the prime reason they can’t afford downpayment on a house.

Such BS. It’s sky high rent, student loans, and medical insurance — not avacado today du jour

Maybe instead of offering sham financial counseling, they offer low fixed rate student consolidation loans.

I totally get what you're saying. Sky high rents and student loans are a problem for so many. But I also feel like a lot of millennials just do not know how to save. They are a generation who has never had to endure hardship. I'm not talking personal (family divorce, low income). I'm talking generationally (war, really bad economy). I think people who have been comfortable their entire life just don't know how to prepare for the worst. Eating out three or four times a week can mean a difference between an ok place to live and a nice one.

Who was the last generation to actually endure hardship as you define it? The boomers maybe? Definitely not Gen X; if anything Millennials have had it much harder (try graduating college in 2008 and competing with 40 year olds for entry level jobs).

Lol you silly millennials, acting like the only economic downturn was in 2008. Gen Xer here graduating in 2001, one of the few lucky ones to have a job offer in the fall, with a start date of Sept. 12 2001 in NYC. How do you think that went?

I mean, the last contest I want to win is "graduated into a worse economy" but come on.

[img]
https://www.nic.org/wp-content/uploads/2017/05/Civillian_unemployment_rate_5.5.17.png[/img]

You need to read a book called "the truth about money"

And stop esting out, going on vacations and drinking Starbucks.

Sky high rent.

It's called group homes and you take the room that hardly fits a single bed.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I hate those self serving ads by WF showcasing a millennial couple eating out several times a week (once at a food cart), and that being the prime reason they can’t afford downpayment on a house.

Such BS. It’s sky high rent, student loans, and medical insurance — not avacado today du jour

Maybe instead of offering sham financial counseling, they offer low fixed rate student consolidation loans.

I totally get what you're saying. Sky high rents and student loans are a problem for so many. But I also feel like a lot of millennials just do not know how to save. They are a generation who has never had to endure hardship. I'm not talking personal (family divorce, low income). I'm talking generationally (war, really bad economy). I think people who have been comfortable their entire life just don't know how to prepare for the worst. Eating out three or four times a week can mean a difference between an ok place to live and a nice one.

Who was the last generation to actually endure hardship as you define it? The boomers maybe? Definitely not Gen X; if anything Millennials have had it much harder (try graduating college in 2008 and competing with 40 year olds for entry level jobs).

Lol you silly millennials, acting like the only economic downturn was in 2008. Gen Xer here graduating in 2001, one of the few lucky ones to have a job offer in the fall, with a start date of Sept. 12 2001 in NYC. How do you think that went?

Anonymous wrote:

Anonymous wrote:I hate those self serving ads by WF showcasing a millennial couple eating out several times a week (once at a food cart), and that being the prime reason they can’t afford downpayment on a house.

Such BS. It’s sky high rent, student loans, and medical insurance — not avacado today du jour

Maybe instead of offering sham financial counseling, they offer low fixed rate student consolidation loans.

I totally get what you're saying. Sky high rents and student loans are a problem for so many. But I also feel like a lot of millennials just do not know how to save. They are a generation who has never had to endure hardship. I'm not talking personal (family divorce, low income). I'm talking generationally (war, really bad economy). I think people who have been comfortable their entire life just don't know how to prepare for the worst. Eating out three or four times a week can mean a difference between an ok place to live and a nice one.

Who was the last generation to actually endure hardship as you define it? The boomers maybe? Definitely not Gen X; if anything Millennials have had it much harder (try graduating college in 2008 and competing with 40 year olds for entry level jobs).

How shocking. People who face decades of usurious student loan debt and no hope of ever saving a 20% house down payment tend to spend their money on the smallest luxuries their monthly cash flow can accommodate. Who would have thought?

Anonymous wrote:I hate those self serving ads by WF showcasing a millennial couple eating out several times a week (once at a food cart), and that being the prime reason they can’t afford downpayment on a house.

Such BS. It’s sky high rent, student loans, and medical insurance — not avacado today du jour

Maybe instead of offering sham financial counseling, they offer low fixed rate student consolidation loans.

I totally get what you're saying. Sky high rents and student loans are a problem for so many. But I also feel like a lot of millennials just do not know how to save. They are a generation who has never had to endure hardship. I'm not talking personal (family divorce, low income). I'm talking generationally (war, really bad economy). I think people who have been comfortable their entire life just don't know how to prepare for the worst. Eating out three or four times a week can mean a difference between an ok place to live and a nice one.

I hate those self serving ads by WF showcasing a millennial couple eating out several times a week (once at a food cart), and that being the prime reason they can’t afford downpayment on a house.

Such BS. It’s sky high rent, student loans, and medical insurance — not avacado today du jour

Maybe instead of offering sham financial counseling, they offer low fixed rate student consolidation loans.