re: Millennial baws, how you hanging on?

31. 401(k). Very reliable car is paid off. I'll drive it until the wheels fall off. Rent around 15% of net income. No kids yet, so the goal is to save aggressively while I still can. I'd like to buy, but I'll hold off until housing prices and mortgage rates go down to at least somewhat acceptable levels. The market is already starting to correct in most places.

Many Millennials overlook the fact that older generations are the largest in American history, and their retirement over the coming years creates a ton of opportunity for career/income growth. Those who work hard/smart now will be rewarded.

I think many of the complaints are legitimate. Many of the criticisms are fair, but it's a trap many detractors won't account for. Many/most of the jobs for the educated class are in metros, so there are tough choices to make if you aren't bringing in good income and want to live somewhere decent for family life/not have a horrendous commute, etc.

But I question if 47k is a useful baseline for the type of millennials most of ya'll are hanging out with. We hire useless admin assistants with bad degrees from bad schools for more than that, and we're not close to paying top of market for staff.

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I think I missed out by never being a restaurant person

Like working with people your age and same station in life where you kinda gotta depend on each other as roommates and whatnot and then there’d always be new chicks.

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My only regret was having too many relationships during those days. I did the live with a girl you don't actually like to stay afloat thing twice, it was miserable.

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I worry that I’m never gonna get married because I’ll go days without seeing cute girls.

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I'm in the opposite situation. There are so many good looking women here I fall in love with a new girl every day. I wish I was one of those baws who could settle with an average girl and be happy. They have it made.

you almost 50 year olds are gen xers, get out of here with that millennial shite, We are just getting into our 40s.

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I’m currently vetting roommates. The previous two roommates (one who never paid, the other had to downsize to a cheaper place after having to buy a car) moved out the last couple months. I love the privacy, which has been a huge boon for my mental health and helped me gain some ground on fixing the place up, but I can’t afford to leave that room empty any longer. I tried to offer it to local bands as a practice space so I wouldn’t have to bring in a full time roomie (especially someone home in the mornings when I first wake up, which always seems to get on my nerves), but I couldn’t get any takers.

As for career, mine isn’t mobile. I can’t just quit and find another job in another state (believe me, I’ve tried over and over again). I didn’t realize that going to law school would get me blackballed from my old industry which was mobile and paid better, but worked far more hours in worse conditions. I feel incredibly trapped. At least I have a better work environment right now than I can remember at any point in my career. I just don’t make enough money to keep up with inflation.

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Hopefully you can find some people soon. I always used craigslist in the past to find rentals fwiw, and I only paid month to month. It sounds like your house is your biggest pain point, besides that it's just life not meeting your expectations which that part you can work on.

If it helps, most people tend to post about their successes. Not many want to man up and post that their life sucks/they dont have floor to ceiling windows in a Miami beach condo. I'm finally doing okay again, was laid off a few months back and took a pay cut. So even when I am doing well, I still get knocked back down. Such is life, what a joke

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it helps, most people tend to post about their successes. Not many want to man up and post that their life sucks/they dont have floor to ceiling windows in a Miami beach condo. I'm finally doing okay again, was laid off a few months back and took a pay cut. So even when I am doing well, I still get knocked back down. Such is life, what a joke

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That’s the case for all generations. Personally on this forum, I’ve probably discussed my failures more than my successes. My definition of success has nothing to do with money though

My mortgage seems pretty cheap compared to what most of my friends pay in rent for anything remotely safe from murder and floods, so I don’t see how I could reasonably downsize. I just keep looking at my spending habits to squeeze more blood, but I’m struggling to find any more fat to trim. At the same time, I could go for a higher paid job, but the last couple times I did that, those jobs turned out to not really pay much more, worked me double the hours I work now, and were actually really poor skill and personality matches compared to where I currently work.

I don’t see how to cut expenses enough to austerity my way out, and I don’t see the opportunities to grow my income out of it. Maybe it is defeatist or a “loser mentality” that is the problem, but I just can’t seem to figure it out on my own. Everything since Covid has been a wild ride of trying to figure shite out and getting f$&ked. Maybe part of it is a motivation issue. I don’t have any passion for my career, and what I am passionate about and actually good at (music) never seems to make any money. I’ve gotten so demoralized that I try not to even think more than a few months ahead because I can’t see a future that is simultaneously attainable and worth striving for. So, I just focus on the here and now and try to survive and not on how much more broke, less healthy, and more completely f$&ked the future me is going to be.

The saddest part is that my lifestyle when I’m not at work isn’t all that different from how I would live if I won the lottery and never had to work anymore. I guess I just can’t see another way to live, and my current life doesn’t satisfy me, while it barely manages to keep me alive.

if you would just cut Netflix you could afford a nice house

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What pay do you need to be comfortable?

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3 years ago, what I’m making now would be plenty. Suddenly, it isn’t jack shite.