re: My theory on why baby boomers are criticized

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The artificial suppression and ease of access has resulted in a ballooning of tuition prices.

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The sad thing is even with outrageous tuitions costs, colleges are going bankrupt. The college system has become corrupt.

- lower standards and increase attendance to help real estate developers profit with new apartments

- require large fees to access online material that will not be used

- increase tuition and lower borrowing criteria

- teach whatever ideology the government is pushing in exchange for grants

- bring in more foreign students for out of state tuition fees

- give preference to out of state students to increase revenue

- give preference to minority students who receive government grants to increase revenue

- produce as many graduates with useless degrees as you can to make it the norm that everyone has a degree, so one will be required to even be a street sweeper

For someone that cant understand basic finance and borrowing money, you're pretty free with insults.

Go get a signature ( that means no collateral) loan with no guarantor.

Then, go get the same loan with a guarantor.

Compare the rates.

Or, have someone do it for you.

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Get rid of those loans and the costs will fall, many completely useless institutions will close, and the job market will shift.

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Well,yes.

I said that earlier.

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Most Boomers will get FAR MORE out of the entitlements than they put in (SS, Medicare/Medicaid, etc). They will probably be the last generation to have that luxury.
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This is mainly the issue.

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Run the numbers. Take your time.

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Let me help:

SS ROI is ~3% for the last 45yrs. Meaning for every $1 put in as a 22y/o 45yrs ago, a current 67y/o receives ~$3.60.

If, 45yrs ago, that same $1 was put into an S&P account with reinvested dividends, it would be worth more than $100 today.

So the SS "benefit" is a LOSS of $96.40 for every dollar contributed by the "beneficiary."

In terms of median lifetime contributions, the SS vs S&P ROI differential would run about $2K/month vs $8.5K/month, given similar actuarial distributions, IIRC. So a proper ROI would render 425% what SS does for retirees.

As an aside, if SS ROI simply approximated a 30yr Treasury ROI over the same time span, the SSTF would be nearly double what it is now.

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I've said that exact thing already

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Then, in what way is it a benefit?



Why are you posting like it is a positive and we should be thankful for it?

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So the question is, when you are shown that you are factually wrong, does it make you take a step back and reconsider your viewpoints?

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ADP Pay Insights Wage Data

November 2020 Ages 25-34 Median Earnings: $48,300
November 2020 Ages 35-54 Median Earnings: $60,400

April 2026 Ages 25-34 Median Earnings: $56,800
April 2026 Ages 35-54 Median Earnings: $70,800

BLS Inflation Calculator

$48,300 in November 2020 has same buying power as $61,810 in April 2026
$60,400 in November 2020 has same buying power as $77,295 in April 2026

FRED Median HHI Chart

2000: $71,790
2024: $83,730

$71,790 in 2020 had same buying power as $131,565 in 2024

So we might agree that the median has shifted downward but this is a largely college-educated board who are upper-middle class earners.

2000 BLS Weekly Earnings Report - Q1

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-Full-time workers age 25 and over without a high school diploma had
median weekly earnings of $363, compared with $502 for high school graduates
(no college) and $891 for college graduates. Among college graduates with
advanced degrees (professional or master's degree and above) the highest-
earning 10 percent of male workers made $2,413 or more per week, compared
with $1,536 or more for their female counterparts. (See table 4.)
Explanatory Note

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CPI Inflation adjusted to 2026:

$891/week or $46,332 = $84,806


2026 BLS Weekly Earnings Report - Q1

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-By educational attainment, full-time workers age 25 and over without a high school diploma
had median weekly earnings of $784, high school graduates (no college) had earnings of
$977, and those holding a bachelor's degree and higher had earnings of $1,763. Among
college graduates with advanced degrees (master's, professional, and doctoral degrees), the
highest earning 10 percent of male workers made $5,348 or more per week, and their female
counterparts made $3,499 or more. (See table 5.)

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From the referenced table 5:

Median College Graduates $1,763/week or $91,676

So for college graduates, median wages compared 2000 have outpaced inflation by 7% and since 2020 by 3%

Meanwhile since 2000:

College - outpaced inflation by 95%
Medical Services - outpaced inflation by 51%
Childcare - outpaced inflation by 60%
Housing - outpaced inflation by 17%
Food - outpaced inflation by 11%

BLS CPI Dataset

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The only thing a man needs in life is a job at the general store and his wife to have dinner cooked when he gets home

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Your hypothetical couple lived in a 1200 sf house, ate out maybe twice a year, clipped coupons, and never saw the inside of a passenger airplane.

Your pussy generation would never do that.

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Just go ahead and pay those loans back retroactivly at the unsecured rate that existed at the time you borrowed the money, then.

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The loans that I have wouldn’t exist and tuition costs would be nowhere near the amount that they are if the government back loans didn’t exist.

So, I looked at how much it cost my dad to graduate college in 1978.

It was ~$700 for the 4 years.

With inflation, that would be about $2400 when I graduated college.

Sure, I would gladly pay that with whatever interest rate you would like.



Yes, I recognize that it would not come out exactly like that, but I would take the most definitely much lower tuition with higher interest any day of the week, as would anyone.

Just FYI, that is the same argument y’all make regarding home prices.

" free tution" is equally to blame.

Guaranteed tuition payback is exactly why institutions have went crazy with costs.

Start a new thread if you're dead set on talking about home prices


I personally dont recall ever talking about it.