So you’re 54, placing you solidly in Gen X, which the comment starting this thread points out had twice the wealth of a Millennial today. Congrats on being born at the right time, you remind me of a Boomer with these ridiculous stereotypes and assertions.

My friend got his student loans discharged via bankruptcy in the mid 90s as the judge missed them on the paperwork.

I’m a millennial and had no idea student loans were once dischargeable in bankruptcy proceedings. Apparently it ended in 1976, right in the middle of the credit industry’s consolidation. Fun times.

Yeah apologize again for leaving this huge factor out. Was kinda wrapped up in fuck the car market/dealers/economy etc.

True, like the olds telling young people to pay back their student loans when the olds were legally allowed to file bankruptcy and clear their student loans that were much smaller as taxpayers funded much more of higher ed in the past. 

That’s true, and the cost of living has jumped significantly in the last few years alone following COVID. It’s not just cars and houses that have gotten more expensive but everything else too. Many essential things like healthcare, education, childcare, etc. Once you factor all of those costs in, then you start to…

Loads of comments from people that bought used cars decades ago and forgot or do not realize that car and home prices (even used) have gone up way faster than incomes for a very long time.

I’ll say that I do well. Could always do better, especially being in NY and sometimes across the pond but, I must admit, the previous generation or two definitely had it much easier. In New York, I’m not even going to go back to the original suburban American city of Levittown right in Long Island, New York, back in…

Other than a few grocery items and some fuels, nearly everything goes up in price.  Sure, wages have risen over time but the costs still far outstrip ones’ ability to consume ordinary consumer goods.  Cars included.

It’s pretty simple.

“a dozen years ago”

I am 31, have less debt and make more money than the person who originally posted. Just because people like us choose to put away money to grow instead of blowing it on a depreciating asset doesn’t mean we can’t buy it, it means we can’t afford it with the goals we made a priority. If your priority was a BWM, then…

Can confirm on convertibles. All I can figure is that a lot of people are now permanently work from home (which tends to be middle/upper middle class jobs and above because they kept their jobs and have some liquid assets to use as they please) and no longer need a commuter. Thus, they can buy a toy instead.

I’m just not going to go in to work for a couple weeks! I can afford that...

I will add the garlic first to a stir fry but not even wait to also toss the onions/peppers/etc on top of it. Some recipes will literally have you wait for 2 minutes, at which point it is burned to a crisp.

Yes, a million times yes!

Hahahaha, damn look at this entitled response. What liability? You keep sitting on those points and keep paying your credit card bill. I don’t see how Chase loses in this case if you think you should get more.

Transferring points to partners is only worth more than 1.5 cents per point if you book luxury travel. Not sure about hotels. If you are a coach traveler then you might as well cash out now.

i guess the implied point is that points sitting in your account just sit, without earning a return. if you’re going to sit on your points for a year or longer (and for a lot of us, it will have been a year before you know it), its easily a 10% return or more you’re giving up. the banks are fine with you sitting on…