How can we force Millenials to be frugal?

NO ONE EATS AVOCADO TOAST
FUCK OFF WITH THIS MEME

>>132245609
Two words. Work camps.

>>132245845
My fiancee makes it for herself all the time.

She's normally one of the good ones, but even then those thot tendancies seem to seep in every so often

>>132245845

I put avocados and fried egg on my hot dogs

shits cash desu

>>132245609

If Millenials knew how to budget well we'd probably lean more towards Conservative but because they have piss poor finance skills everything goes like this.

>I'm going to get into a useless degree because all of my are going to uni, I'm not only harming and saturating the economy but I'm also buying everything on credit because I have to have that new iphone I'll get rid of in a couple months for the next one. Oh, refugees are doing something in Europe? I'll give them a like so I can feel like my own personal Jesus Christ

>>132245609

How the fuck does this business work? Eventually once enough people use their toilets it becomes nothing more than a 'cleaner' public restroom assuming the driver cleans up after every use

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>>132245845
Maybe, but they do drink lattes out of avocado rinds. What's the deal with avocados? Is it why millenials are always going to the bathroom?

>>132245609

Once they stop buying 24 iphones a year and can afford health insurance. :^)

>>132246547

As a millennial I have never done nor seen anyone do that.

>>132245609
...don't hire them.

>>132245845
>> I'm not from Western United States! REEEE!!!

I do, and it is delicious.

>>132245609
What if I blow all my money on firearms and a SHTF property in the middle of nowhere in WV and a fast car to get there rather than on a real house?

>>132246474
>they have piss poor finance skills

They don't teach it in schools and their boomer parents teach them and they have shit budgeting skills.

Don't blame the child when society doesn't even give them a bone.

>>132245845
I do. But I make it myself when avacados are in season. Tastes good with some bacon and fresca cheese on it.

Once I started cooking everything at home my bank account magically started growing. It's amazing how much grabbing some Chipotle or Jamba Juice just a few times a week can add up.

>>132246547
how much you think that costs? $5?

>>132246547
Never seen that either, but $5 drinks every day is $1,500+. Who knows how much they dine out on top of that.

>>132245609
You can't make millennials care about money. They're card-carrying commies. They already anticipate that absolutely every penny they ever save will be forcibly taken from them one day.

And thus they save none. Millennials may suck and all, but in this regard they are behaving rationally with regard to their own expectations. Same goes for neets. Same goes for degenerates.

Western civilization isn't failing because boomers, millennials, feminists, gays, immigration or even blacks.

It's failing because of Communism.

Huh? Millenials are by far the most frugal people I know, because they have to be. They have no fucking money yet they were raised in an environment where they had money. In order to maintain some semblance of their previous lifes, they have to cut corners wherever they can. However, the millenials who have good paying jobs are not frugal whatsoever.

Other than the millenials making 100k+ and are basically boomer-lites, I dunno what the fuck OP is talking about

>>132246930
I had the same shit-finance boomer parents, and I manage my finances just fine.

The difference is being a liberal or conservative.

Liberal = Socialist = Expect to be given everything.

Conservative = Capitalist = Expect to work for everything.

>>132245609
The Indian knock-off version is just an empty truck.

>>132247254
-- Lives with parents (no utility bills).
-- On parents health insurance.
-- On parents car insurance.
-- Parents gave them a car.
-- Parents paid for college.
-- Not married.
-- No kids.

>>Well managed finances...

>>132246930
How hard is it to realize to save when you don't have money?

>>132245609
>We should care for the environment
>We should also have cars driving around to give us a trendy new way to take a shit

>>132247401
Jej

>>132247401
The Indian version has a hole in the floor and will take you to the designated shitting street

>>132247191
>>132247254
>>132247528
Most of them usually are still living on their parents' money, from rent to phone bills and others you've mentioned.

>>132247652
The "my school never taught me finances" is a shitty cop out by retards that (surprise) don't want to take responsibility for their own actions. It's like the concept of sitting down and thinking of ways to not waste money and save some are completely fucking foreign to kids.

>>132247528
>>132247897

Fair enough, I haven't checked out the statistics but there are many I know in my own life who are just like that.

Personally I'm late 20's, and

>pay own rent for shit apartment
>public transportation, but in an area where it's safe to do so
>don't have cell phone bill, have google voice + wifi
>no health insurance
>buy in bulk or fast food

monthly expenses <$1k

i might be seeing things differently as an outlier though; i'm self-employed and a student so i see every purchase through the lens of a cost of doing business.

in regards to the OP, I think anyone who can afford regularly getting a poo in loo delivery service is the kind of person who has enough income and is enough of a normie to have a regular salaried job that would convince a bank to give him a mortgage, so it's a bit of a strawman to say these people are complaining about not having a house.

it's looking at the habits of the top 10% millenial earners and saying the other 90% are crazy for not being able to get a mortgage. that's not how intergenerational shitposting logic works, lads.

>>132248593
An ex of mine lived out of town. She'd often ask when I'd move out and be independent like her, all while her parents were paying for her school and apartment shared with two others.

Nearly every single wasteful expense can be absorbed by not owning a car, something which a lot of urban millenials don't waste money on. The amount of money "frugal" people waste on cars every few years is insane compared to an iPhone.

People like to focus on the flashy electronics and eating habits but when you tally the day to day consumption + living expenses it's often vastly less the previous generation as millenials make less money and have to spend more on rent + mortgages.

Millenials commute by foot, public transport or by bike. They don't buy furniture and generally less material goods, they dont waste money on cable, tv etc.

When big ticket items such as a house or a car are absurdly overpriced for what they are as well as growing beyond inflation, there's no incentive to save. This coupled with wage stagnation means first time buyers cannot possibly afford housing.

Avocado toast won't make a dent when your wages can't outpace inflation.

I'm going to journalism school and want to be a combat photopghrapher/videographer. Is this a good plan?

>>132246223
you're most likely a millenial as well so enjoy your own idea

>>132245845
My Dad does. Loves the shit.

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>>132249280
This.

Also the millennial money waster meme is a lie. Its just marketing trying to ENCOURAGE millenials to spend like, you guessed it, the Boomers. The boomers are frankly what is keeping the economy alive right now. They have money and they fucking spend it like no tomorrow however as they die off you will begin to see the economy grinding to a halt which is a good thing though since deflation needs to happen badly

>>132249010

it's very hard to get people to see underlying causes of their situation until the rug gets pulled out from under them. my parents cutting me off but still being there for me if i truly needed something was probably the best thing they could've done.

in regards to why i don't have health insurance, things were different just a few years ago before obamacare kicked in. i was paying less than $100/month, totally affordable. then obamacare made young people pay for old people's costs, reducing boomer premiums and raising youth premiums by 3x or more. i went overseas for a few years, thought it was just a meme, came back and couldn't believe the premiums, plus you could only buy plans 1 month out of the year thanks to the communist rationing system they put in place. so i just haven't gotten health insurance. i live next to the border so i can get cheap healthcare if i ever need it.

the youth weren't organized or knowledgable enough to understand or resist, but the boomers actually vote so everybody that mattered fromm a political perspective was happy. the real constituents got their gibs.

Millennial here. My phone cost $15. + $20 365 day credit. Just used for receiving work call outs.

>>132249762
Interesting that almost half of Boomers don't have enough to retire.

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>>132245845
I literally just had a conversation with a girl this morning about how she can't give up her "addiction" to avocado toast. Chill with the caps, you faggot.

>>132247254
LOL. Every kid leaving home to work in the real world goes in with no money and relatively poor compared to their parents. Welcome to America, pal, that's how this shit works you start at the bottom and if you work your cock off, you have some luck and you take advantage of your opportunities you'll make it. Everyone leaves college with their stupid degrees in soft sciences, like sweet man you majored in sociology? sort yourself out by putting a gun in your mouth", and thinks that because they're now "educated" the world owes them something. World doesn't owe anyone shit. God I hate millennials like you, make the rest of us look like fucking idiots.

>>132249762

Me and all my peers have great clothes, smartphones, are fit and are pretty typical urban millenials. We spend on average less than 500 Euro (food included) on expenses per month. Everything else goes on rent which is insane. There are no jobs outside of the cities but the cities are unaffordable.

>>132249762
Most boomers LOVE to eat out. There's an entire stealth industry of overpriced cafes that are priced specifically to keep them fed & poorfag millennials out.

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>>132245609
ITT: Butthurt children

>>132250561

Go on...

>>132246547
I've asked my millenials friends about avocado and they don't understand it either. None of the people they new use avocados, half of them don't even like them.

fucking baby boomer marketing....

>>132246223
one year mandatory field work after high school

>>132251047
you are a millennial

>>132250561
>>132250950
I know the high end steak restaurants like Morton's and Ruth's Chris' will be in line like Buffalo Wild Wings and other restaurants that are supposedly being killed by Millennials. I never understood why people think Millennials are supposed to eat only at certain places? Not like Applebee's and BWW are new restaurants, they were opened in the 70s and 80s.

>>132251047
>'new'
>not 'knew'

Obama's kids. This is what we pay commie teachers for.

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>>132245609
easy, increase interest rates for student loans

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>>132247256
I paid into a provincial pension at my old job, took 2 years to contribute 5k, about to cash it out as unlocked lump sum of about 19k this week (minus 30% the government will seize and redistribute to refugees).

25 now and sitting on about 50k, still working on budgeting but I think I'll be ok

>>132250950
If Cafes charge $15 per sandwich no-one but boomers can afford to eat there.
The dumbfuck boomers sit down to eat and are surrounded by fellow boomers; they then decide that the establishment has 'nice clientel' & is 'upmarket'.
Millennials eat cheap fast food.

>>132245609
oy vey we can't have the millenials buying homes, they need to spend their money at our shitty chain restaurants like Buffalo Wild Wings to prop up our gold-plated boomer retirements!

It's YOUR fault our buisnesses are failing, buy our crap you stupid entitles goys!

>>132251722

If you seriously think that Buffalo Wild Wings is a Jewish trick to keep Boomers afloat then please consider suicide.

>>132251712
>Millennials eat cheap fast food.

Hell, a Big Mac meal is about $8. Carl's Jr still has their $4 meal, but it's not advertised.

>>132251514
Are these failing murican restaurants boomer-orientated, poorfag millennials no can afford?

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>>132246547
>Is it why millenials are always going to the bathroom?
We're reaching levels of stupid nonsensical "the trouble with kids these days" bullshit that shouldn't even be possible.

>>132252075
>$4 meal

Go on...

I wonder just how much of the restaurant & dining industry is boomer dependant? I bet it's a lot...

>>132252088
No.

>>132251722
We should force the boomers to pay back their debt by performing menial labor when they are dying if terminal cancer

Karmic justice

>>132245609
>>132246474
City Millenials =/= Rural Millenials

City Millenials are poor because they're virtue signalling lefty morons who blow their money on overpriced luxuries, organic food, and social justice campaigns.
Rural Millenials are poor because our jobs pay shit and Boomers have basically doubled the cost of living in small towns over the last ten years.

>>132252336
$4 Real Deal,plus tax. Small drink, small fry, double cheeseburger, and spicy chicken sandwich.

Burger King has something similar but two cheeseburgers for $3.29.

>>132251958
Well I was mostly shitposting but it's one of the many shitty chain resturants that have had articles put out whining how it's millennial's fault they're failing for not buying their overpriced reheated crap.

"millennials reee" has just become the go-to excuse anytime someone's failure of a buisness is failing.

>>132245609
>that nose
no surprise there.

>>132252737
>City Millenials are poor because they're virtue signalling lefty morons who blow their money on overpriced luxuries, organic food, and social justice campaigns.

They also tend to be from the middle/uppermiddle class but are making just above minimum wage, yet continue to live like they are middle class.

>>132252311
They blame them for fucking everything. Millennials don't control .gov, the education system, the media, anything really...
Most are struggling to even buy homes.
What few levers of power that still work are totally boomer controled.

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>>132246402
>avocados and fried egg on my hot dogs
NO

yall niggers posting in a NSA data mining thread. many of these replies are ones from previous threads. thats why they are always focused around millenials mgtow single women etc. don't post anything you personal even though your ego wants you to

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>>132245609
There's a sizeable portion of the "millennial" generation who aren't frugal because a house right now is simply not feasible. Anyone who buys a home now is a fucking retard because we're approaching the bursting point of the biggest housing bubble in human history.

Over half of millennials have less than a thousand dollars in the bank, yet housing costs and rent prices have never been higher, and have never before grown so astronomically out of whack with inflation and wages.

Either the entire housing market is going to implode, or the banks will force us to stay the course and none of us will ever see our own homes or retirement. Either way it doesn't make much sense to kill yourself saving money right now unless you make well over $100k.

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>>132252930
It's nothing new, see the previous pic and this one.

Every generation pulls the same bullshit and is stupid enough to think it's some novel idea that isn't just trying to pass the buck for their own mess.

>>132252749

So I just ask for the "Real Deal"?

Is it dine in or drive-through

>>132245609
Well ain't that just shit on wheels.

>>132252311
Thread theme
www.youtube.com/watch?v=pkf7bbyIQfc

>>132250337

the fuck? a boomer that has social security and medicare can retire, full stop.

that boomer may take a quality of life hit versus what he's used to, but he'll still be financially better off than most millenials.

>>132247191
>communism
>common in the USA

>>132252336

personally i like the 4 for $4 at wendys. double cheseburger, small fries, small drink, 4-5 chicken nuglets

otherwise i mix and match dollarmenu-esque items to hit nutritional requirements (e.g., protein, choline, potassium) as close as possible.

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>>132251047
>I've asked my millenials friends about avocado and they don't understand it either.

that's because it's a meme strawman about fresh off the boat hipster yuppies in san francisco

actual millenials eat at pic related

>>132253260
Yeah. Dine in or to go.

I wonder how much longer it can all go on here in Australia with the 5-15% year to year housing growth...
Ever year I think for certain it will pop, but somehow it keeps rising. It ruined everything, a pretend economy has replaced the real one.

>>132254597
>wendys has the best burgers despite one of their main competitors being called BURGER KING
Explain this shit, atheists.

>>132253964
just because communism became a dirty word that we don't use anymore doesn't mean we aren't winning. Fight for $15, UBI, Single Payer, these things were unheard of in the last 40 years and become a closer reality everyday

>>132255628
Fresh not frozen, plus they have chili, what's not to love?

>>132254597
Wendy's is absolute top-tier fast food. Their fries >> everyone else's fries. Whatever they did to pull back from the brink 5-10 years ago, it is working. Only problem is that there are no convenient Wendy's near me.
I still don't get the
> Millenials reeeee
meme though. Most of my friends are working shitty jobs that barely pay their bills, living with parents to try to save on monthly expenses, and trying to save up enough to pay for school so they can get out of the low wage trap. If you don't have the personality for sales, your options are pretty damn limited, though trades can be okay I guess. Buddies of mine making ~45K which turns into ~35K take home, but if you keep your expenses down, you can make a decent go of things.
>>132256233
Lel, you mean the fight for $15 that is resulting in people with less take home pay and businesses closing? Negative income tax >> UBI anyways

>>132256912
>less take home pay and businesses closing
>not realizing this is part of the end goal
Negative income tax is good too

>>132256912
>Most of my friends are working shitty jobs that barely pay their bills
Maybe they should work harder and get better jobs. It's not difficult.

>>132245609
What the fuck is a millenial anyway

What's the criteria

>>132247114
Underappreciated truth right here.
While much of the boomer population forgot or stopped cooking, their wages made it possible to dine out / eat fast-food or ready-to-heat junk every day. Their children, just don't have the income for that lifestyle, but as they never have learned cooking in any way or form, they aren't able to escape the "food trap"
t. 200+lbs fatty cooking and dining exlusively on 30€ a week

>>132259907
> Experience is necessary to get a good job
> To get experience, you need to have a job
> Hence they take entry-level jobs
> Entry-level jobs don't pay very much
> Unexpected expenses knock people back
> Can't save for school
> End up stuck on a treadmill of barely getting by
Like I said, unless you have the personality for sales, or are going into the trades, you're going to have a bad time. My sister is 31 and was only JUST able to move into her own house with her fiance. She and her husband are also both in social work though, so it's their own damn fault.

>>132250352
Thats wrong

I am saving up, but I have no clue where I'm going to be in the next few years so buying a house is pointless and also impossible on 30K a year. As things are now, I'm building an emergency fund and after that I'll be buying a motorcycle.

>>132245609
Quit trying to force people into your housing market schemes. You wall street scumbag. Hur dur own a house get more conservative. No its own a house and be a slave for the rest of your life. Its not called "morgue"tgage for nothing.

>>132245609
Self discipline. The army taught it to me because my single mother couldn't. Mandatory 4 years army for every high school drop out, 2 years for graduates. The army will teach self discipline.

>>132247114
My roommate last year would spend like $60 a week on food alone. Then he would spend the rest of his money on stupid shit that is too expensive for a college student

eat ramen, buy crypto, try to not be a fucking idiot. strive for financial independence. dont be a faggot.

>>132261449
Do like your parents did and get a (((loan)))

>>132262786
>buy crypto
>strive for financial independence
???

>>132262786
Crypto currency is nothing but a funnel for money laundering. Nothing in this life is secure but a house at least gives you a place away from it all at the end of the day.

>>132262786
Eating Ramen every day will fuck up your health. Eat a cucumber and tomato salad if you cannot afford anything else.m

>>132247053
Probably 8

>>132260232
similar situation, cheap food is usually pretty bad for you, lots of grains. Wish I could afford the paleo meme desu

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I guess this thread is appropriate to greentext my life
>take 1 year break after high school
>go to CC doing my prereqs full time
>switch to part time after a semester
>drop out my third semester
>work one job and have a second job occasionally for 3 years
>23 now going back to college
>take summer statistics class
>end up really liking it
>passed with a 97 after 3 years of no school
im glad im getting my life on track

>>132262797
It's fucking laughable you think your (((brackets))) shit is thinking independently, when it's just a deeper embrace of the herd.

>>132256912

I take home $34,000, live in a big city and am very happy with my life.

You need to not buy vidya every time a new one comes out and learn to cook, but you can live very well on a take-home of $34,000.

>>132265459
Yup the herd against your jew worshiping ass. Usury is a sin everyone needs to understand this.

>>132264197
It's also an easy way for people without a lot of stocks or investments to build up some equity... that's why the next big economic bubble is going to come from all the boomers who've been buying up affordable homes and converting them into flips or rentals - young people who ought to be settling down, raising families, and building equity in a home can't find or can't afford one. In about 5-10 years you're going to have two entire generations of young people with no savings and no equity.

>>132268304
The real estate market is being used by wall street tycoons to consolidate wealth. Buy low and sell/rent high. I suppose the best course of action is wait for the bubble to pop then grab a house. Renting now must be a nightmare, interest is high or low but cost is high.. To even save money so i dont know how they will even get their feet on the ground. Seems the 1% has all bases covered.

>>132245609
why do people use the word millenials as if it didn't include people who are almost 40 now

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>>132246547

This might be the most hipster shit I've ever seen.

>>132247528
As long as you save up it's all right.
I lived with my parents into my 20s and saved every penny, and can now afford to buy a house.
I don't care if the "mature thing to do" would have been to move out at 18, if I had done that and wasted years of rent money for nothing in return I wouldn't be able to do that right now.

Now, living at home and wasting you're money on phones and new cars and going out, that's dumb.

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>>132265648
$34,000 barely covers rent in a "major city" you larping faggot. That's literally a poverty level income.

Ridiculous troll, but I'll take a swing.

You conserve eternal truth, righteousness, race and culture that were here long before you existed, and will persist long after you do not.

You do not conserve ("Conserve" meaning to place above material and personal gratification, to place above even life) a bank-empowering mortgage, in some company-planned living suburb.

You could possibly have said "family", but no, home "ownership", as it has existed for the past half century, is as materialistic and empty as the rest of the fake value system we live under. A system which predictably spawns hedonism, nihilism and a society in agreement to anything, and opposed to nothing, unless it interrupts the flow of their personal gratification and fulfillment of material desires, which are a salve to the inherent emptiness of a material society.

Until we reconnect with the eternal truth and eternal principles in each of us, we will never have actual "conservatives"

>>132260754
They are called internships retard. Your fault for spending your summers partying 24/7.

>>132245609
i don't think i know a single millennial i went to college with that owns a home yet. I'm saving but between all of my bills its still relatively slow at ~$50k a year,

I'd love to move out of my Familys home and get my own apartment but

>Have MBA
>Have plenty of expierence
>Still not getting hired

Good shit

>>132275891
hiring nowadays is shit it's all around who you know. Nobody cares about your degree and experience anymore.

>>132276075
Yep! That's the problem, I've started to say Im mixed on my resumes to at least not get my resume binned ASAP.

>>132275857
How is that slow
With how much houses cost in America you can buy one with cash in like five years

>>132275608
>work for free for the opportunity to work for shit

I would rather suck dicks during the summer. At least I would be getting entrepreneurial experience and some folding money, not to mention a free meal.

>>132254428
My man. I am over thirty make great money but don't waste money on fancy food. The family eats out once a week, if that. We have just as much fun doing that versus some overpriced crap.