Tokyo

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CALLER: i make $180k a year and still feel broke. DAVE RAMSEY: where’s the money going? CALLER: - $3,200 mortgage - $1,900 daycare - $850 car payment - $1,100 groceries - $700 student loans - $600 insurance DAVE RAMSEY: sell the car. CALLER: even after that i’m still drowning. people don’t realize how expensive middle class life became.

CALLER: i make $180k a year and still feel broke. DAVE RAMSEY: where’s the money going? CALLER: - $3,200 mortgage - $1,900 daycare - $850 car payment - $1,100 groceries - $700 student loans - $600 insurance DAVE RAMSEY: sell the car. CALLER: even after that i’m still drowning. people don’t realize how expensive middle class life became.

1,652,473 Aufrufe

My grandfather worked 40 years at one company got a pension of $2,800/month for life + healthcare until he died. He’s been retired 30 years, collected $1.008 million in pension payments. I’m 28, been at my job 6 years, have $47k in my 401k. If I retire at 67, it lasts until 82 if I’m lucky. He retired at 62. I’ll work until I die.

My grandfather worked 40 years at one company got a pension of $2,800/month for life + healthcare until he died. He’s been retired 30 years, collected $1.008 million in pension payments. I’m 28, been at my job 6 years, have $47k in my 401k. If I retire at 67, it lasts until 82 if I’m lucky. He retired at 62. I’ll work until I die.

1,701,978 Aufrufe

In 1980 a 22-year-old could work summer jobs, save $15k, buy a house with a $40k mortgage and have it paid off by 35. In 2026 a 22-year-old needs to save for 15+ years just for a down payment on a $400k house. Different rules. One generation pulled the ladder up

In 1980 a 22-year-old could work summer jobs, save $15k, buy a house with a $40k mortgage and have it paid off by 35. In 2026 a 22-year-old needs to save for 15+ years just for a down payment on a $400k house. Different rules. One generation pulled the ladder up

52,331 Aufrufe

My uncle bought a house in 1985 for $80k on a $25k salary. Paid it off in 15 years. Today that same house is worth $450k. My salary is $42k. To buy that same house now, I need $90k down payment. My uncle’s down payment was $8k he had it in 8 months. I’d need 11 years for that same house. Different economy. He won’t stop telling me to just buy property😣

My uncle bought a house in 1985 for $80k on a $25k salary. Paid it off in 15 years. Today that same house is worth $450k. My salary is $42k. To buy that same house now, I need $90k down payment. My uncle’s down payment was $8k he had it in 8 months. I’d need 11 years for that same house. Different economy. He won’t stop telling me to just buy property😣

26,191 Aufrufe

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Boomer: Stop buying $5 lattes, save that $20/week GenZ: OK so $1,040/year. Rent increased $600/month = $7,200/year more. I saved $1,040. Still short $6,160. Should I also cut my hair with kitchen scissors? Your advice works when wages match inflation. They don’t.

Boomer: Stop buying $5 lattes, save that $20/week GenZ: OK so $1,040/year. Rent increased $600/month = $7,200/year more. I saved $1,040. Still short $6,160. Should I also cut my hair with kitchen scissors? Your advice works when wages match inflation. They don’t.

100,737 Aufrufe • vor 11 Tagen

Boomer: ‘Why don’t you just buy a house?’ GenZ: OK boomer, median home price is $430k, I make $35k, need $86k down payment. Even if I saved 100% of my income, it takes 2.5 years just for the down payment. By then, prices rose another $50k.’ Math doesn’t care about your feelings.

Boomer: ‘Why don’t you just buy a house?’ GenZ: OK boomer, median home price is $430k, I make $35k, need $86k down payment. Even if I saved 100% of my income, it takes 2.5 years just for the down payment. By then, prices rose another $50k.’ Math doesn’t care about your feelings.

30,104 Aufrufe • vor 6 Tagen

A 24-year-old college graduate is already $188,000 in debt. Not because she bought a mansion. Not because she lived recklessly. Because she did exactly what society told her to do. • Student loans • Car loan • Credit card debt Now she’s expected to pay: $1,800/month on student loans $280/month to the federal government $202/month for her car $160/month for insurance Before rent. Before groceries. Before saving a dollar. She says nobody explained how interest would multiply the amount she’d owe. She signed the papers at 18, but will spend decades paying for that decision. We tell young people that college is the path to a better life. Then we hand them six-figure debt before they’ve earned their first real paycheck. This isn’t just a personal finance problem. It’s a system that allows teenagers to take on life-changing debt without fully understanding the consequences. And we’re surprised when an entire generation feels financially trapped.

A 24-year-old college graduate is already $188,000 in debt. Not because she bought a mansion. Not because she lived recklessly. Because she did exactly what society told her to do. • Student loans • Car loan • Credit card debt Now she’s expected to pay: $1,800/month on student loans $280/month to the federal government $202/month for her car $160/month for insurance Before rent. Before groceries. Before saving a dollar. She says nobody explained how interest would multiply the amount she’d owe. She signed the papers at 18, but will spend decades paying for that decision. We tell young people that college is the path to a better life. Then we hand them six-figure debt before they’ve earned their first real paycheck. This isn’t just a personal finance problem. It’s a system that allows teenagers to take on life-changing debt without fully understanding the consequences. And we’re surprised when an entire generation feels financially trapped.

19,184 Aufrufe • vor 7 Tagen

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