Tokyo

@tokyo_111 • 2,430 subscribers

𝐪𝐮𝐨𝐭𝐞: 𝐈𝐭 𝐢𝐬 𝐫𝐢𝐬𝐤𝐲 𝐧𝐨𝐭 𝐭𝐨 𝐭𝐚𝐤𝐞 𝐫𝐢𝐬𝐤𝐬| 𝐜𝐨𝐧𝐭𝐞𝐧𝐭 𝐜𝐫𝐞𝐚𝐭𝐨𝐫|𝐜𝐥𝐢𝐩𝐩𝐞𝐫|𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐭𝐨𝐫𝐲𝐭𝐞𝐥𝐥𝐢𝐧𝐠|

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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.

1,653,828 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.

1,702,486 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

52,366 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.

100,769 Aufrufe • vor 1 Monat

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.

30,174 Aufrufe • vor 1 Monat

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.

19,296 Aufrufe • vor 1 Monat

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