Link?

Fuck all you whiney cocksuckers.  Life is a bitch.  Get over it……..it always has been.  Always will be.  Every generation has its challenges.  Fuck you if you are too fucking stupid to figure that out.  

I was raised in a blue collar working family and we saved every penny.  All of the kids had jobs delivering paper, mowing lawns, babysitting……whatever…..from an early age.  I can remember driving across town to but a used bicycle and repairing it to make it usable.  That is the way we lived.  

Fuck all this gobble-gook about finding a job you love and express yourself bullshit……..it was find a job you could earn a living at and support yourself……and choose fucking wisely…….because it is a precarious world.  It always has been.  I chose to be a dentist.  I worked my ass off and did.  

When I was in dental school, early 80s, we were repeatedly ridiculed by the faculty that we must be the dumbest sacks of shit around to have chosen such a dismal, dying profession.  We were told we would be lucky if we ever got a job and to be prepared to fix someone’s tooth in exchange for a chicken.  At the time, I hated those bastards.  In retrospect, whether consciously or unconsciously, they we doing us all a service.  We had ZERO expectations.  I now have a son and a DIL who are dentists.  I’ve listened to  administrators tell these kids not to worry about $300K in  student loans because as a dentist you are going to make bank.  Fuck the idiots who are stupid enough believe such horseshit.

The first house I bought, it just about crushed me financially.  I paid $329K for it and the interest rates were 13%.  My payment was a helluva burden, but i persevered.  I sold that house 4 years later for $299K .  Fuck me…..but i persevered.   I didn’t fucking whine.

Years later, I own a decent amount  of real estate and dentistry has been ok for me.   I have paid more in taxes in my career than most will ever earn in multiple lifetimes.   I have weathered the ups and downs and raised  my kids with the same values…all 4 of them are young adults and thriving.  So…..fuck you.  

Maybe they should vote better.

I do have compassion for millennials. There was something in their water supply messing up their hormones or something. An entire generation of pussies.

Did the people who lived through the Great Depression or World War 1 or World War 2 cry about it? Most time periods are not smooth.

To be fair, there is a major problem of changing demographics. Dumb people have many more kids than smart people. The peak of society is behind us IMO.

Relocate.  I did it 16 years ago snd it was one of the best decisions I ever made.

It’s the one thing I see so many people unwilling to do that holds them back from advancing in life.

Not saying it’s an “easy button”.  The time of post WWII prosperity  where pretty much anyone who was willing to work could stay in one place at one company  and find economic success was an anomaly.

HR, Executive Boards, and others that required a college degree for many professional jobs for many years absolutely did fuel it.

"Bachelor's degree or 3 years direct experience" for entry level professional jobs that weren't mcdonald's etc. was fairly common, up until even a year or two ago.

You are totally missing the point.  I also know he doesn't have a useless degree and neither do I.   One outpacing all the others substantially is the problem.

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I am a millennial… I have a respectably sized home on 2 acres in one of the highest tax rate counties of ct. (I know, get out!) 2 personal vehicles not including my wife’s brand new car. I have an associates that I paid for up front by WORKING HARD. And the only debt I have left is 2/3 of a 15yr note on the house, and 2k on my daily driver which will be paid come tax’s.  I have a good job. And I work 50hrs a week. Every Sunday is Sunday gun day.

My wife on the other hand is a millennial and is still in crazy student debt for a bullshit degree. And does not make enough money. Despite having a few more pieces of paper than I.

Millennials I know, hell even most gen x I know do not comprehend what a work ethic is. My own wife is in this camp. But yes I love the shit out of her.

The sooner everyone learns that YOU are responsible for your own happiness and well being, the better off we would be. We need to take responsibility for ourselves and our actions.

That’s what millennials lack. Everyone wants to blame someone else.

Yeah, first time home buyers don't want the traditional "starter home" anymore. It's been that way for a while (can't blame millennials for all of it).   Demand for the 1500 square foot houses dropped, so builders stopped building them. Lot sizes and square footage got bigger.   Older homeowners (those who have been in their house since the 70s) hold onto their 1500 square foot houses longer.   Thus the supply is smaller as well.

Plus, the traditional rule of thumb for mortage payments used to be 20% of gross paycheck / 28% of net paycheck.  I've seen posts on this forum where millennials insist that those old guidelines don't apply anymore, and it's perfectly fine to spend 40% or more of your gross salary on a mortgage.

Nah, you can be whatever you want to be. [even when reality says you aren't EVER going to be a NBA star when you are fat, white, 5'6, and can't shoot or jump.]

How much coal do you burn in your parlor stove?

Shit, almost nobody will ever have enough money to get "what they want" in life because it never ends. No matter how much we have, we always want more.

Like the song says, "it's not getting what you want, it's wanting what you've got".

There's always going to be people who have more than you and people who have less. Just fucking deal with it. That's life.

Not me personally as Im not a fucking moron.
I dont disagree with you one bit, just telling you how it is. The .gov has created a compliant victim complexed generation not on accident.

Are the iPhones the same model?  Your logic is retarded.

So get a degree in something STEM useful, not ''just'' a ''degree.'' Years ago I looked at the primary degrees past presidents of the company I work for had. It was quite an eye opening, many had engineering or related degrees, NOT primary business degrees and NONE had ''basket weaving'' types.

Absolutely not.  Of course the individual owns their responsibility.  

But do you think using government to turn a high risk loan into a no risk loan is acceptable behavior?

This mindset is visible in people that lived in the 3rd world.

Leftist envy dwells deep inside the millennial mind.

I've worked with some folks having a 165 IQ.  They are different.  

But you still live in commie-tax-you-to-hell-fornia

This.

Millennials (my generation) only want to talk about the one that is not in their control. Boomers and Gen X'ers only want to talk about the things that Millennials can control. But both are significant and necessary components of the conversation, especially because there are still many Millennials that didn't go off the deep end in expectations still got dicked by their lack of purchasing power and stagnant wage growth and the piss-poor advice of their parents, counselors, and teachers (not to mention politicians) about what it would take for them to achieve financial success. Following that advice put us in a piss poor financial situation, but then living the Instagram life is what is keeping many of us in that same piss poor financial situation by chasing instant gratification.

Millennials are also stuck with the consequences of their own choices that they made back in the 2008-2013 timeframe. I was in college during the 2008 market collapse because I, like most of my contemporaries, believed what I had been fed by everyone about the necessity of a college degree to get anywhere in life. In retrospect, trade schools would likely have served many of us better (but had we all gone to trade schools, trade wages would likely have held down due to surplus labor... and white collar, degree-essential jobs would be paying higher wages with worker shortages because that's how supply and demand works). But because the die was already cast for the bulk of us at the time of the crash, we were forced to make other decisions that in retrospect were financially suspect like going to graduate or law schools because that's what was necessary for many of us to be competitive in the job market. Now we are able find jobs, but we've got a mortgage or two's worth of student debt hanging over our heads for the next 10-25 years. And it isn't because most of us were stupid with our money (though many of us are/were), we just made what we believed to have been the best choice available to us at the time to try to get to a decent wage.

In my case, I was faced with two options: I could go to law school and hopefully use my JD to finally get full time work... or I could continue working the one or two part time jobs I was able to get while living in my parents' basement for three years after graduation in the hopes that eventually one of my hundreds of applications would finally lead to a job interview and maybe a full-time job. At the time I was only earning enough money to make my monthly student loan payments, put gas in my car to get to work, and maybe splurge by going out to eat or seeing a movie with friends once or twice a month (and by "splurge" I mean spending maybe $20 per occasion). I actually had to get my first credit card so that I could "afford" to go to a job interview/testing for a cop job that I ultimately didn't get because there were 400+ applicants for 12 positions, and I only made it into the top 20 applicants (now agencies would shit themselves if they had that kind of applicant pool). I was also doing all of this while unsuccessfully filling out hundreds of other job applications for "entry level" jobs that in practice required 5 years of experience and a masters degree to get a hiring manager to even look at your resume... because that's who I was competing with at the time. It's also worth noting that this was in Michigan, where the economy was even worse than it was elsewhere in the country.

For me, law school was both the best and worst financial decision I've ever made. It was the best because it finally got me out of my parents' basement, fully employed, making a decent salary (albeit not fantastic by any stretch). It was the worst because absent income based repayment and the public service loan forgiveness (PSLF) program the amount of student debt I had to take on to become fully employed was absolutely enormous and would be wholly unmanageable with the salaries I've been able to obtain subsequent to graduation. Fortunately, I should be able to discharge all of my law school loans in about 5 more years due to PSLF, but I'll still likely be paying off my undergrad loans which, while smaller, do not qualify for PSLF. There are unfortunately hundreds of thousands, if not millions, of Millennials who took on that financial burden but who will not be in the same position that I am in because their loans either don't qualify for PSLF, or they are working in career fields that don't have the benefit of PSLF. In my case, PSLF is the closest thing to the GI Bill that I've had available to me because I am medically disqualified from military service (hooray for asthma ). Unlike many in my generation, I at least have a plan to deal with my crappy financial situation... and I might even just maybe be able to retire in 20 years or so at 55-57 due to my new job.

Many of my generation are in shitty financial situations because we made the least bad decision of the many awful options that we were presented because earlier generations sold us a bill of goods called a college education promising that it was a panacea for future financial stability... all while having made student loan debt all but impossible to discharge through bankruptcy. This then gave banks carte blanche to give anyone and everyone tons of money for college educations without regard to future earnings potential, driving up demand for college, driving college and university expansion projections, further driving up costs for college, driving up the necessity for ever larger loans for college, leading to more and more programs to extend student loans to more and more people in the name of "education accessibility," creating more demand for college... and the cycle repeated itself over and over and over.

This situation is not as simple as we wants to think it is. We (the country) are where we are because of decades of piss poor national and individual financial decisions. And we do a disservice to everyone if we only look at the situation with the benefit of 20/20 hindsight and say "well, they should have done things differently." Well, maybe Millennials should have. But we can't go back in time to change it. Let's also not forget that it was your generations who told us we needed to make the choices we made to get to where you were (the American dream of a nice suburban house, a decent car, 2.5 kids, and a full time job). We just took your advice and suffered for it as the economic bubbles popped and continue to pop. We still deserve the blame for then spending frivolously on bullshit rather than saving and trying to climb out from under the mountain of debt that we've acquired because of the bad advice and bad monetary policy of our preceding generations. But when the mountain of debt appears to be insurmountable perhaps we might deserve a little grace for saying "screw it, I'm never getting out of debt anyway... I may as well have some fun while I drown." I mean, we're just following our own national government's example of taking on more debt to spend more money on more things we can't afford ad infinitum...

This is what the pull yourselves up by your bootstraps fucks are just totally obtuse about. There are some serious economic areas that have totally decoupled from income since the 90's.

Have you seen home prices, college tuition prices (even them good degrees), and the stagnant wages over the past 40 years? It is different. Will have to work longer and harder to even try to match a typical middle class living of the post war era. The numbers don't lie and anecdotal evidence of persevering isnt trumping that. The first ME generation sold this country out to globalist corporations that offshored all of our manufacturing base.

I know one that will manipulate people around her to get what she wants, this shit doesn't work on me.
She doesn't mind at all using her 6 yr old child as leverage.
But it's for your grandson, so let's take him to Disney for the day because he made an A on his report card, and you pay for it.
And it would be better if we stayed two nights in one of the resorts and you can pay for that, it's for the child.
The great granddad falls for it every time, and she always says she will pay part of it and never does.

Beliefs?  These are facts.  

Boomers certainly did…why would their offspring be any different?  That’s the scary part.

I don't overlook that, as I said, many of those going to college SHOULDN'T go to college in the first place. And there are a LOT of financial and scholarship ways to drop those college costs IF you go into fields that need them. Stupid ''popular'' degrees don't get all that much financial help and truthfully, they shouldn't get ANY.

I'm gen X and I have managed to have most of those things on the list so far.  Hopefully I can keep them.

But, the biggest difference between me and the boomers is, I won't get to retire.  Yes, there are lots of gen X who planned better and will.  But my circumstances were such that it is impossible.  

If by some miracle I get a significant inheritance, I might still have a chance. But otherwise, I will probably have to work until I die.

Still, I have the family, kids, house, and toys like ATVs, Jeep, camp trailer, etc.  All very modest compared to actual wealthy people, but still far, far better than I ever thought I'd have when I was 20 something.  It took the courage to quit a job and start an entirely different career with 3 days notice, but it was worth it.

A person close to me has multiple openings in municipal sanitation (garbage pickup).

Vacation
Retirement match
OT at every holiday that is paid and more OT.
Medical
Good pay with COLA & merit increases.
Paid CDL classes and lic if you don't have it.


I told multiple younger guys I know about the jobs with links to apply. NOTHING.

Mind you, I  did this after some were bitching about only making way less than $20/hr at current jobs that couldn't afford them to buy XY&Z because the boss is cheap.

Yep.

I know several millennials who worked hard to start their own businesses and are now successful. One of them could probably retire right now at the age of 30 and live life in comfort. But he's driven to succeed.

At the heart of the problem, there are more scams these days (student loans, cheap mortgages, cheap Chinese goods, communism, etc.).  And the media constantly bombards young adults with the message that "it's not your fault, you've been fucked over by the capitalist system".

But guess what... it is what it is. Whining won't make it any better. Put on your big boy pants and make something happen!!!!

All of my buddies' kids are not suffering. Of course they put in the work to become engineers (electrical, mechanical and computer) so their starting wages are well into the 6 figures. Two of them won full ride scholarships so no debt while the other was paid by divorced mommy and daddy who struggled for tuition.

 I thought they turned the economy off to save the little chirrun's.

I damn well don't disagree with that in the least.

That's just it though. Having a blanket requirement for a degree, for many jobs that weren't even STEM jobs, coupled with easy school money (thanks again boomers), meant that many, many of these kids were going to go out and get the quickest and easiest degree to meet said job requirements.

*This also isn't about me. I have two Master's degrees, one in a STEM field and the other is an MBA, and don't owe a dime. I can still understand where the whole problem lies.

Older Gex Xers have felt the same way throughout life.  

The Boomers always got the better jobs, owned and bought housing when it was much cheaper, and all the hot 20-something Gen Xers.

They also raised the price of housing so fast in the 80's and 90s, that it was often out of reach for Xers.

They (Boomers) had been talking about retiring for the past 20 years and never did.  Covid changed that some.

Millennials and Zs are not unique in history complaining about their place in life.  People just actually feel Millennials and Zs are victims of some sort of a rigged systems or conspiracy against them.  

Gen Xers were told "sucks to be you" and "get me some coffee."

The windfall has been 40 years of continually decreasing interest rates and a money printer set on overdrive.

So many dumbasses of every age with so much shiny shit that all belongs to the bank trying their best to impress all the other dumbasses with even more shiny shit that all belongs to the bank.

Dumbasses come in every age group.

Cry me a fukn river.

I laid out why it should be cheaper.

If someone of your pedigree and family legacy is worried about money, you’ve been buying too many excavators and track loaders

Yeah no shit.

I am not a millenial - that out of the way, a whole bunch of GD needs to go look at the share of US household wealth per age, either comparing each generation age to age or simply by year.

This is the kind of thing people burn down civilizations over.

This is all true. Unfortunately, back when I went to college nobody was giving that advice and we Millennials are stuck with the consequences of decisions we made 10-15 years ago based on the poor advice given to us by our preceding generations.

We deserve a lot of blame for being the Instagram generation and looking for instant gratification and piling up more debt (or at least not paying down the debt we've already acquired) in order to live in the moment in perceived luxury, but don't lose sight of the fact that this "skip college" advice wasn't really mainstream until long after many of us had already obtained a bachelors degree along with a masters or professional doctorate. This is solid advice for Gen Z and following generations, but for Millennials, this advice is coming a couple of decades too late.

If we didn't have a fucked up Federal Gov. none of this would be an issue. Put the blame where it belongs and on both parties and their lobbyists.

Boom. There it is, right there.

Because the govt will only hand out enough to buy govt cheese.