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Comments
Then I died.
GDI.
Penwize has cowardly forfeited the challenge to mortal combat issued by Atalkez.
Penwize has cowardly forfeited the challenge to mortal combat issued by Atalkez.
Most Millennials definitely are getting a raw deal, most graduated (college or high school) in a recession and got a delayed start professionally as they waited for the economy to bounce back, student loan debt has soared in the last 20 years. Since I graduated in 2003 from a UC, tuition was risen from under 4k to 12k, home prices have doubled, energy and food costs have soared while wages have lagged behind. Yet I know I'm one of the fortunate ones, I have a great family and social circle, I have zero debt, plenty of savings and assets but I'm an exception hardly the rule, the majority of Americans don't have that.
Also, I think the rules of the game have changed from previous generations and millennials are going to have venture into unknown waters. We've never seen such rapid advancements in technology, the social nets our governments have provided are in most cases being phased out, in the not so distant future many jobs will be automated or replaced by AI. I'm fairly non-committal about even having kids because of the uncertainty of their futures.
A nickel worth of advice from someone who's a few chapters further into the book than you are, control what you can control and ignore all the noise.
1. Don't be a statistic, you narrate your own destiny
2. Never quit a job until you have a new one lined up (exceptions being health and safety concerns)
3. Always contribute the maximum 401k your employer will match
4. Always have health insurance no matter the cost (medical debt is the #1 reason for bankruptcy)
5. Set short-term, mid-term and long-term personal and financial goals, it will hold you accountable
Secondly, millennials are, by definition, a group of people born during a specific period and thus people of a certain age. It has everything to do with age, and is absolutely not defined by a made-up characteristic that a bunch of grouchy old people like to attribute to us.
Yes, I'm mildly triggered. </rant>
2. As someone who has had difficulty obtaining employment for some time, having a job > not having a job. While this piece of advice might not be applicable to everyone, I have been taught my progenitors to love my job even though I might be tempted to hate it in the future - especially if you do not have another one lined up.
4. Also taught to me - okay salary + excellent benefits > great salary + minimum benefits.
5. I just included this point just to reiterate how important financial planning is.
I mean... I didn’t have a cell phone for years! Had to use atlases or look at maps or write directions to get places. Lol that is just a random and hilarious point to me, but there is a different mindset and development that comes with that, for good or bad.
I know people aren't prone to reading things that don't reinforce their world view, but that's an article from Forbes, which isn't particularly liberal, validating the things millennials say.
Some statistics, in particular, stand out.
Home ownership in the studied age group was nearly 12% lower among millennials than Gen Xers and baby boomers. That mostly had to do with when the study was undertaken (following the housing market crisis in 2007-2008).
Student debt? Higher by 63% among the studied group, adjusted for inflation, with an average of $35,000 of debt for an undergrad. Dunno about you, but I get the sinking suspicion that previous generations wouldn't have performed so well if they had to give up thirty five grand just to -enter- the job market.
The numbers on gender disparities are pretty stark, but I feel a few things asserted in the article are relevant. First, teen pregnancy rates are down, and so are the amount of female smokers. That means that women of this generation are more responsible and health-oriented than your coveted previous generations.
Second, the data suggests that in the baby boomers' case, the odds of out-earning your parents by their age was extremely high, 70-90%, whereas children born after 1980 had about a 50% chance.
Your inability to divorce what you perceive as an individual's attitude from the world they inherited is singularly breathtaking to me; it's precisely that kind of attitude that leads to narrowminded and shortsighted decisions the likes of which gave us shit like Enron, the dotcom busts, the mortgage crisis, and the water shortages in California. This idea that the world is your oyster, and you can do whatever the fuck you want if you have the balls for it (And, by extension, that anyone who does not is somehow deficient, because if -you- can do it, why couldn't someone else, right?) is hugely damaging, and always seems to come hand in hand with a kind of tunnel vision that has no regard for impact or consequence.
Tl;dr: before stereotyping a people you've bunched up together in the clumsiest of ways, read a fuckin' book.
One of the biggest flaws of so many years under John Howard was that we sold of many a public sector company, Telecom, Qantas, Commonwealth bank to name a few. Before hand, Keating had sold options for these companies, but never intended for them to surpass 51% option for private companies to land on. This gave us an immense financial boon in the short term, but so little of it was used and returned to the people. Fast forward to 2007 and Kevin Rudd, we had an immense amount of cash in the coffers, and when the GFC hit, instead of holding onto it tightly, he burned it all and more so back into the country. We safely nipped it in the bud at the time, and, as a country, came out incredibly well off (our $ surpassed the US dollar for a year or two from it, simply because we had more money available, to spend, and were spending it).
Government fiscal responsibility is to ensure that what we are able to export and import are valuable, worthwhile and we can import cheaply for personal use. We also don't need a budget surplus (which is something that the current coalition love to masturbate furiously over while they shag their staffers), because money held in surplus is wasted, we don't increase the worth of it, we don't attract big business or big discovery, our biggest and best leave the country instead.
For people who, for all intents and purposes, believe they worked super hard to be able to shit on millennials but be completely retarded on common economic practices at a governmental level is one of the most disheartening things in our country. We are still heavily reliant on coal and steel exports, coal is plummeting in value and we should weaning our asses off it for the future's sake, but none of the money made is returning back into independent research and work onto sustainable fuel sources, and continually we fall to the plight of "The world is fine" and the good ol' chestnut "Global warming is a myth by da <<insert your choice of evil organisation here>>.
Spreading the absolutely retarded statement that the younger generations just aren't trying enough is horseshit. There are only a select few university degrees that guarantee jobs in Australia, almost all of them in the health sector (because of the study length and work involved), and if you aren't doing 7+ years to be a doctor or a specialist, you can guarantee your pay will be pretty shit for a while afterwards too. I have a rapport with a huge amount of nurses and doctors since looking hard into studying the medical field, and the thing that always rings true for me from them is:
"I working in private health, they pay a lot more but you work your ass off a lot harder, but if you ever get sick, go to a public hospital. They are better staffed and equipped, and work manageable hours so they are more capable of helping you better." This sort of mindset sums up the differences here: The more effort you put into the citizenry of your community and fund their endeavours, the better the fiscal response is for the community/suburb/city/state/country. Hold onto the cash and try to find the easiest path to just getting quick bucks or "eeking out the most" of each dollar is going to do the opposite. Everyone who is in big money talks of the importance of investment, but they'll invest in businesses, working ideas and "safe to semi-safe ventures". They rarely, if only in small amounts, reinvest back into the community. Elon Musk has been doing a pretty bang up job of this (Think flinging a car into space is a "waste of money", but space frontiering has given us an immense amount of what we have today, including the work DONE by NASA scientists and engineers). Reinvesting into that fortune 500 company to double your wealth does sweet FA, especially when you dodge the taxes that, at least, FORCE some of that money back towards the general populace.
I'm done, sorry for the massive schpiel, I volunteer in a lot of political areas because I'm unemployed, but it's something that I've spent ages inside of and learning about. There are so many issues within the system that having people still wanting to turn on each other pulls us away from actually DEALING with the massive issues (especially god damn corruption!) and leaves us all, minus that top ~5% worse off for it.
I love how all that all of you did was prove my tongue-in-cheek point.
@Klendathu we must be the old fogies of the forums then.
Fuckin millenials. Don't even notice when they're doing what they're arguing they're not doing and don't do. aaaaaand go.
Quotes from Achaea please, this is a NoNT thread.
>:-(
Zure, the Windspeaker falls away to the ground.
Strangely, I assumed they'd be able to fly...