Police salaries are good as well, in parts of New York and New Jersey they start at 80-90K per year. But there is so much competition and the standards are so ridiculous that basically no one can get in, unless you know someone of course.

Going through college heard a few things, "Look around you, this, this is your competition in life". I took that to heart. Those people out protesting in the streets, screaming about **** and marching around in balaclavas and masks could be spending that same time working or trying to create something, find a niche market to exploit... something. Instead they are wasting their times socially jerking off.

This is definitely true, but...



...millennials also got ****ed over in MANY ways.

The problem is that people only care about themselves, and at best, their own generation.
So they're willing to **** over EVERY OTHER GENERATION for their personal benefit because... that's just human nature.

For instance, in my state, there's a government employee retirement program called PERS. And the people that voted for the specifics of the program?

They were recipients of the program. Guess how that went?

They took EVERYTHING and BURNED IT TO THE GROUND for every other generation.

They had no-risk, GUARANTEED RETURNS OF 7% on their pension accounts.

Those investments performed REALLY WELL. Returned 15% or more.

Financial experts said it won't stay this way, but you get to decide to keep all the money, or to put it into the system so future generations can benefit.

I'll bet you can guess what happened.

As a result, my states public schools are ****ED. The kids? ****ED.

Our biggest school district? Lead in the water.

Public employees? ****ED.

But those baby boomers?

By 2000, most of them were making the SAME SALARY, POST-RETIREMENT.
Some were making more.

This is the attitude of humans, not just baby boomers. When you let people make decisions with a conflict of interest... what the **** do you think's gonna happen?

And this happens at EVERY LEVEL of government.



LMFAO!

The delusion is so thick it's dripping through your keyboard.

Not everyone can live with mommy and daddy into their early 20s.

"Most millenials are idiots who know nothing of leaching off their parents. You just need to be smart and not entitled (except to mommy's money, duh). But that's not related to the money I saved in my 20s. You don't need a fancy apartment in NYC... JUST LIVE WITH MOMMY AND DADDY DUMBASS!"

I made 102,000 as a cop last year.

My friend who is a plumber made 80k and my girlfriend who is a nurse made roughly 70.

If you CHOOSE to work a job that pays less (whether for society, personal values or whatever) then that is on you.

Ok now tell me what city you pay taxes to and then I'll adjust how much that income is left over

Misc loves quoting gross income then leave out COL

Ok now tell me what city you pay taxes to and then I'll adjust how much that income is left over

Misc loves quoting gross income then leave out COL

My self and all of my Millennial friends (including their spouses) ages 28-33 could afford to buy houses (and some have) independently on their own income.

I'm tired of the excuses.

....muh student loans
......muh credit card debt
.......The economy
.........$15 minimum wage
.............I've got a 4 year degree, I deserve more

Identify the situation and adapt......or fail.

Exactly, everyone I know 25-35 with an income of 50K or greater owns their own home. I think the biggest problem is millennials are getting cucked by social media as far as their lifestyle expectations.


If you have a phone that costs more then $200-300. If your entire shoe collection is worth more then $200-300. If your entire clothing collection is worth more then $200-300. And if you have any other luxury items (Watches that costs more then $15-20 for example). Then your poverty is 100% of result of financial misappropriation. Cook all of your meals. Shop the sales at local grocery stores. Get a few room mates for your apartment to split the costs of living. Downsize your car to a used one you can pay for cash. Etc. Don't go to bars and waste money on going out having drinks. Don't use tobacco (Huge waste of cash.) Etc.



Millennials spend money they don't have, on things they don't need. Then they b!tch and moan about working more then 40 hours per week or about 'minimum wage'. Etc. When the reality is as an 'employee' they offer little value to the work force and are easily replaceable. My first job was minimum wage and I managed to save 10K within about a year and a half. And I wasn't living with my parents at the time. 100% self sustained. Granted it was me and 3 friends living in a travel trailer. Still, we managed.

Exactly, everyone I know 25-35 with an income of 50K or greater owns their own home. I think the biggest problem is millennials are getting cucked by social media as far as their lifestyle expectations.


If you have a phone that costs more then $200-300. If your entire shoe collection is worth more then $200-300. If your entire clothing collection is worth more then $200-300. And if you have any other luxury items (Watches that costs more then $15-20 for example). Then your poverty is 100% of result of financial misappropriation. Cook all of your meals. Shop the sales at local grocery stores. Get a few room mates for your apartment to split the costs of living. Downsize your car to a used one you can pay for cash. Etc. Don't go to bars and waste money on going out having drinks. Don't use tobacco (Huge waste of cash.) Etc.



Millennials spend money they don't have, on things they don't need. Then they b!tch and moan about working more then 40 hours per week or about 'minimum wage'. Etc. When the reality is as an 'employee' they offer little value to the work force and are easily replaceable. My first job was minimum wage and I managed to save 10K within about a year and a half. And I wasn't living with my parents at the time. 100% self sustained. Granted it was me and 3 friends living in a travel trailer. Still, we managed.

My sister is the prime example of a ****ing pos millennial.

20 years old, $450 car payment has a 2017 or 2018 Toyota Rav 4. Is out getting her nails done weekly, eyebrows threaded/waxed or whatever the **** they do. Posting instagram/snapchat stories daily out eating.

She makes $17.50/hr, lives at home and still complains about not having money. Just bought the new iPhone last week. I'm like no wonder you owe mom money and cant afford to pay her rent... you just spent all your ****ing money on stupid luxuries. My mom completely enables this behavior though. Wants my mom to help her pay off her debt, so she can pay my mom rent... I'm just like wut? My mom wants to kick her out but she complains she has no where to go and can't do anything. My mom is like wtf your friend soandso just bought a house and is a year younger than you and she complains "wahhh well her parents bought her a car when she was 16!" - It turns out to be like a 2005 honda accord or some ****, the girl pays like $50/mo in insurance. My sister meanwhile got 2 cars bought for her (well first one was bought, second one my grandpa gave her the money for the down payment).

Meanwhile my girlfriend makes less money than her, but can manage to have a car paid off (its a 2010 corolla), pay her insurance, pay for her apartment and still have money left over for a few luxuries... I can't fathom it.

this guy gets it.

My generation is an embarrassment. Marching in the streets wearing pink pussy hats. Wondering why their women's study degree and communication degree isn't landing them a job (probably because you had no job experience, or only worked flipping burgers). Quit blaming society for your problems and figure out how to take your left to the next level. there are plenty of people doing it.

Going through college heard a few things, "Look around you, this, this is your competition in life". I took that to heart. Those people out protesting in the streets, screaming about **** and marching around in balaclavas and masks could be spending that same time working or trying to create something, find a niche market to exploit... something. Instead they are wasting their times socially jerking off.

did you actually just say that your sister's 19 year old friend bought a house?

just lol.

also, while i agree that you shouldnt waste money on luxuries like phones and eating out if you're broke, you cant do basic math if you think cutting back on those expenses would allow her to move out and like, buy a house or something.

she couldnt buy a house even if she did the things you suggest.

Yeah... It's about 1100 sqft, actually has decent curb appeal. Nothing special. But its a first house and shes 19, think she has a roommate paying her like $600/mo.Her mortgage is probably little over that.

Bro do you have any idea how much nails + eyebrows are? Or how much getting your hair done monthly cost? Let me do some basic ****ing math for you retard.


She doesn't get her nails done every other week. - $200/mo, eye brows $180/mo, hair $150(minimum)/mo. Instead of a $450/mo car payment, she gets a ****ing avg toyota corolla saves $300/mo.

That's $830/mo that she would save. She doesn't buy that iphone? $1000 this year. Doesn't go out to eat multiple times a week? At least saving $50/week... That's $200/mo. She could literally save $1030/mo EASILY.

Y

Location: Nebraska

Thats cool bro hows the corn fields?

ITT noone owns homes in a metro area 25-35

a $700 mortgage. what planet are you on? was her down payment like $2k? do you live in the alaskan wilderness?



even assuming your numbers are correct, i mean she needs a haircut every once in a while, right? she needs some kinda phone /w plan, yeah? she's gotta eat SOMETHING, right?

those costs arent zero like you assume in your calculation. she's gonna have SOME out of pocket expenses for these things. i mean, maybe if she lives at home for the next 4 years and you mom literally pays for EVERYTHING (doesnt sound like you want that), then maybe after 48 months she'd have $24k in the bank.

povertycells are obsessed with SAVING money, like they bought into the car insurance commercials hard. the reality is that your sis cant yet earn a decent income and MAKE money.

I live in Louisiana not Nebraska.

Maybe if millennials can't afford to live in major metropolitan cities on the East and West coast. They should consider moving somewhere they can make a living wage and have a comfortable life.


Either that or, ya know, continuing living 1 step above a homeless person and whining about the job market.






Everyone starts from the bottom unless they are born into wealth. Minimalize expenses. Save/invest money. Grow the habit of spending less then you earn.




My mortgage escrow is 900 per month and that covers mortgage, HOA, property taxes and homeowners insurance. I had a 1875 square foot home built to my specifications. 20% downpayment.

a $700 mortgage. what planet are you on? was her down payment like $2k? do you live in the alaskan wilderness?



even assuming your numbers are correct, i mean she needs a haircut every once in a while, right? she needs some kinda phone /w plan, yeah? she's gotta eat SOMETHING, right?

those costs arent zero like you assume in your calculation. she's gonna have SOME out of pocket expenses for these things. i mean, maybe if she lives at home for the next 4 years and you mom literally pays for EVERYTHING (doesnt sound like you want that), then maybe after 48 months she'd have $24k in the bank.

povertycells are obsessed with SAVING money, like they bought into the car insurance commercials hard. the reality is that your sis cant yet earn a decent income and MAKE money.

These are complex issues, it's no one person, or generations fault. We have all contributed, and all need to take ownership instead of pointing fingers. Are millennials on average more entitled, lazy, hedonistic, with weak work ethic relative to previous generations, yes. I wouldn't say its their fault though, they are merely products of their genetics and environment. Boomers raised them to be special snowflakes, and guess what, they grew up to be snowflakes, who would've predicted that. That's not excuse for them to not make an effort to overcome their situation instead of complaining. And like others have mentioned, the elites, bankers, ect are more to 'blame' than anybody else since everyone wants to point fingers. The elites have been eroding the middle class intentionally, it's by design.

In for blanket statements and anecdotal evidence.

Meh, in my experience, our parents generation did work harder and weren't such pussies. I have had it really easy compared to my dad. Our environment that allows for success/ease of success is probably worse, but we are definitely bigger pussies on a personal level.

I will say though, that the education thing is 100% correct. Not only is "education" often useless and unneeded - but the fact that they charge so much when it CLEARLY is not worth what they are charging. BRB throw up the same power point slides for the 10th year in a row or have some liberal hack grade papers to hand out degrees that offer no tangible skills. BRB "non profit", better increase all of our salaries and buy a helicopter. It's bull ****. I'd be interested to hear them all explain how college became so much more expensive in the last 20-30 years despite advances in technology. Because as far as I can tell, you could send me all your PDF files for the class and I never would have to leave my house and I would get the same experience minus the drinking and ****ing around.

if you think millenials in the US are screwed, just wait until you see the european ones

and we dont have expensive university degrees (most have 1000-3000 year tuition fees)

This is definitely true, but...



...millennials also got ****ed over in MANY ways.

The problem is that people only care about themselves, and at best, their own generation.
So they're willing to **** over EVERY OTHER GENERATION for their personal benefit because... that's just human nature.

For instance, in my state, there's a government employee retirement program called PERS. And the people that voted for the specifics of the program?

They were recipients of the program. Guess how that went?

They took EVERYTHING and BURNED IT TO THE GROUND for every other generation.

They had no-risk, GUARANTEED RETURNS OF 7% on their pension accounts.

Those investments performed REALLY WELL. Returned 15% or more.

Financial experts said it won't stay this way, but you get to decide to keep all the money, or to put it into the system so future generations can benefit.

I'll bet you can guess what happened.

As a result, my states public schools are ****ED. The kids? ****ED.

Our biggest school district? Lead in the water.

Public employees? ****ED.

But those baby boomers?

By 2000, most of them were making the SAME SALARY, POST-RETIREMENT.
Some were making more.

This is the attitude of humans, not just baby boomers. When you let people make decisions with a conflict of interest... what the **** do you think's gonna happen?

And this happens at EVERY LEVEL of government.



LMFAO!

The delusion is so thick it's dripping through your keyboard.

Not everyone can live with mommy and daddy into their early 20s.

"Most millenials are idiots who know nothing of leaching off their parents. You just need to be smart and not entitled (except to mommy's money, duh). But that's not related to the money I saved in my 20s. You don't need a fancy apartment in NYC... JUST LIVE WITH MOMMY AND DADDY DUMBASS!"

You can STILL have everything your parents generation had IF you would live like they did...But you wont, so you cry.

Go buy a small 1500 square foot house in the country
Buy an stripped down cheap car with no options
Work in a factory for 24 years
Have ONE TV
NO cell phone
Make all your own meals..

^^^Thats how the vast majority of your parents lived.

i love it when people complain about millennials being too lazy / entitled / whatever to do the things the previous generation did, like buy houses and invest.

in reality, the previous generation of boomers lucked into a great economic time with prosperous jobs that were SO good they could buy a house and raise a family on a SINGLE INCOME LOL.

today, when many of the millenial generation graduated or entered the workforce right around the 2008 housing crisis, they have far greater debts, and far less income.

millenials paid something like, what, 1,200% more than the boomer generation for education (ive seen figures ranging from 1000% more to 20,000% more lololololol)

millenials earn something like, what, 20% less than the boomer generation when accounting for inflation

and they wonder why nobody is buying a house

the boomers were entitled as

anyway go fist yourselves