Agreed. That’s why I said up to 15 years. Just pointing out that they are at the earliest part of the generation and the time span is 15 years. So people born in 1996 would also be included in this group, so she would have 15 additional years worth of saving time.

When looking at it from the amount of time left, you are correct. However, as written in the article, it is talking about comparing balances between people in the same generation, in which someone born in 1981 has an advantage as they have been saving longer.

For what it’s worth, another big advantage you have over other millennials is time. As mentioned in your article, you are an “old millennial” and were born at the very beginning of the generation. Seeing as the millennial generation ranges from 1981 to 1996, you have up to 15 years worth of additional earning and…

Hmm, I wonder if something like this is what is causing problems with my stereo in my 2014 Mazda 6. My problem is that the bluetooth connectivity function just stops working. I have done some digging in forums and found that a hard reset (disconnect the battery, wait a minute, reconnect the battery) gets the bluetooth…

I have a spreadsheet that I started back at the beginning of 2013 and have kept up to date which tracks all money in and out. While it is not necessarily a budget, it does allow a very clear picture of what money I have where, what money is coming in, what is going out, etc. It is typically edited several times per…

I was on Accutane when I was 17 and while it did work well to get rid of acne, it did leave lasting side effects (albeit minor ones). To this day (13 years later), I still have to carry Chapstick with me everyday due to dry/cracked lips (part of me wonders if this is also a side effect of using Chapstick). Also,…

My parents have at least 2 dogs buried in their backyard. One from when I was a kid and one more recently. The recent one passed away in the middle of the night. When my parents found the dog dead at the bottom of the stairs at 4 in the morning, they went outside and buried her. It was only later on that they realized…

Reviews on Amazon talk about the system running out of water, so it would appear that it uses evaporative cooling as the system loses water over time. Given this, I would think that the temperature ranges that the system can achieve will be somewhat based on the ambient temperature of the space it is in. I guess you…

Reviews on Amazon talk about the system running out of water, so it would appear that it uses evaporative cooling as…

While I think this is a novel idea when it comes to figuring out a number for an emergency fund and more money is definitely not a bad thing, I would argue that if push comes to shove, $20,000 is a lot to be spending on a car when there are tons of cars out there for significantly less.

People turning from lanes which are not turn lanes. This happens to me at several specific locations along my daily route. First, when leaving my neighborhood, there are two lanes, one for turning each direction. The left lane will typically back up during morning rush hour and there will inevitably be someone who…

My wife is a teacher and was able to take advantage of the Teacher Loan Forgiveness Program. While most teachers will not qualify for the $17,500 amount (the full amount is reserved for special ed. teachers or high school teachers teaching STEM classes), my wife was able to get $5,000 of her loans forgiven. We had…

This 100%.

Every time I see something like this, it reminds me just how easy it is for a very small group of people to cause chaos on the road. A functioning road system relies of everyone playing along, but that balance can very easily be offset by just a couple cars coordinating to drive right next to each other at a slower…

This is why after I made the last payment on my wife’s student loans, I checked back with the loan servicer the following couple of months to make sure that the balance still said $0. The last thing I wanted to have happen was some random interest not get paid off completely and then snowball into a large balance like…

I’m 29 and I bought my house back in October 2013. My wife and I had been talking about buying a house for a while and decided to look at new construction. We found a location and floor plan we liked and decided to move forward with the process of building our house. New construction appealed to us as we would end up…

Having worked for two pizza places (both national chains), your statement about the person making the food not being the same as the person delivering the food is incorrect. In fact, at both places I worked, there were times when I was the only person involved in the process of taking the order, making the pizza,…

I don’t understand why some restaurants are so restrictive when it comes to ordering from the kids menu. Some places don’t allow it at all while other make you pay an extra $2-3 if you are an adult and want to order off the kids menu. My mom used to do this at some restaurants because it helped her with portion…

My company has flex schedules but no one adheres to them very strictly. I typically get into work around 6:30 which allows me to not feel too guilty for leaving at 4:30 on most days (I do end up staying later a good chunk of time due to deadlines or meetings). Generally, as long as I am getting my work done on time,…

Down here in good ole’ Florida, you don’t even need to stop to help someone on the side of the road to have someone try to scam you with “gold”. A few weeks ago, I was helping my brother-in-law move some furniture and I had a bed strapped to the back of a pickup truck. It was around 8 at night and I ended up having to…

How does the tax deduction work for the guy who first bought the CJ7? He would get to deduct the amount of the winning bid, but then does he get to deduct that same amount again (as that was the “purchase price” of the car), does he get to deduct the MSRP of the car (similar to what it sounds like Toyota can do), or…