• W98BSoD@lemmy.dbzer0.com
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    9 hours ago

    “SPONSORED BY CREDIT KARMA”

    “The Independent Money channel is brought to you by Credit Karma.”

    • tmyakal@infosec.pub
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      18 hours ago

      It’s the Seven Year Rule from wrestling: you can reuse plots and stories every seven years, because anyone who’d recognize it has aged out and doesn’t watch wrestling anymore.

  • AdolfSchmitler@lemmy.world
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    18 hours ago

    I don’t like the general idea of needing to hit certain “milestones” by a certain point in order to be considered “successful”. Live your life at your own pace.

    • LavaPlanet@sh.itjust.works
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      8 hours ago

      It’s probably more trying to say some people want to (buy a house, have kids) but are forced into delaying because of outside environmental factors, (environment, capitalism).

    • cardboardboxfort@lemmy.world
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      12 hours ago

      Yeah but the real issue is its generally accepted that adults have a decade or 2 of real earning power during which they tend to buy homes and sometimes start families. Once a person ages out of that bracket it becomes real difficult to accomplish those things.

      Also worth noting that employers will avoid hiring people over 45 years old because thats the age when health insurance companies feel a person becomes more of a risk than an asset to them.

  • antihumanitarian@lemmy.world
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    19 hours ago

    “This article is sponsored by Credit Karma. We may earn a commission if you engage with their services using links in this article.”

    Late stage capitalism indeed.

  • Tollana1234567@lemmy.today
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    1 day ago

    being conditioned to leave the house at 18 isnt a milestone(seems very heavily stereotyped in the us), as is expecting to be finding a job right after degree too isnt a really a milestone(its a very US thing apparently), see alot of these stories just from a search alone. also some millineals are like this too unable to leave home due to HCOL, especially if you wernt in Tech/ or high paying health field.

    • rozodru@piefed.world
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      10 hours ago

      even if you were/are in Tech you’d be lucky to A. still have a job at this point and B. be paid well for it. I’ve been in the industry for 20+ years now and the wages just totally stagnated. I went from having more money than I knew what to do with in my 20s to having just enough to ALMOST live comfortably on my own. And I’m kicking myself that I didn’t settle down in my 20s, buy a house then, marry the girl I was seeing then, starting a family then. Like I said I had more money than I could imagine and figured “it’s going to get better from here” and it didn’t. I blew it. wasted it all on devices and pcs i don’t have anymore, videogames, booze, drugs, clothes, etc. Just totally blew it.

      I see fresh grads today who are damn lucky to even get a job in this field but they’re being paid peanuts and living in a shoebox apartment or with like 5+ roommates or still living at home with their folks.

  • ScoffingLizard@lemmy.dbzer0.com
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    1 day ago

    Obviously, we should outlaw abortion, replace jobs with AI, encourage people to have more kids, spend more on wars and scams, and destroy the planet.

    Let’s have more kids while we encorage the end times for our rapture!

      • trailee@sh.itjust.works
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        12 hours ago

        Oh don’t worry, they’re working on it!

        while America was obsessively watching the latest bizarre twists in Trump’s Iran debacle, Whiskey Pete’s Pentagon rolled out a $1.5 trillion budget request that contained a line item almost nobody’s talking about: a 24,000 percent increase, from $225 million last year to $54.6 billion this year, for an outfit called the Defense Autonomous Warfare Group.

        That’s the largest year-over-year jump for any program in the entire defense budget, and it’s earmarked to build out AI-driven autonomous human-killing systems inside the Special Operations Command headquartered at MacDill Air Force Base, Florida.

        Once the Terminators are working well enough in the battlefield, they can easily be expanded to “help” with domestic law enforcement, immigration removal, and suppression of protest (which is now terrorism).

        Unrestricted obedience is at the heart of the dispute between Anthropic and Hegseth earlier this year.

  • Formfiller@lemmy.world
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    2 days ago

    Millennial here couldn’t buy a house until my 40s and someone had to die to make that possible. We need a revolution

    • a4ng3l@lemmy.world
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      2 days ago

      Yeah I was going to say… as a millennial it was a bumpy road so far… but I acknowledge that next gens will have it even harder :(

    • atomicbocks@sh.itjust.works
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      2 days ago

      And I remember the same framing like we were the first to do it, this shit’s been on the decline since at least Reagan.

  • Signtist@bookwyr.me
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    2 days ago

    I love how they greens it like a personal failure when someone isn’t able to hit the “life milestone” of being able to afford something that gets more expensive relative to median income every year. It’s like expecting kids born today to speak by 4 months old just because some random out-of-touch person thought it would help the economy.

  • mlatu@moist.catsweat.com
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    2 days ago

    “being able to afford retirement eventually” and other fantasy tales as told by 20th century folk to a 21st century audience

  • Drusas@fedia.io
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    2 days ago

    Same they they said about Millennials, but this is not a problem that the owner class wants to fix.

    • derAbsender@piefed.social
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      2 days ago

      That’s Part of the owner class solution.

      Poor people ought not to multiply and have a good Life, since they are about to be exterminated, by wars and finally through climate Change.

      The rich plan to genocide us.

      • applebusch (she/her)@lemmy.blahaj.zone
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        2 days ago

        then why do they keep complaining we arent having enough babies and gutting anything even tangentially related to birth control? they arent planning to genocide us they just want more dependent and disposable slaves for the profit mills.

        • Tollana1234567@lemmy.today
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          1 day ago

          on of my school at had a faculty said the state uni Enrollment crisis was “birth rates”, no its the lack of jobs for many degrees, discouraging future students to go the schools, also the schools lack career development options.

        • derAbsender@piefed.social
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          1 day ago

          Because birthing is a very dangerous act and endangers the mother mortally. If you wanted to genocide someone you’d start with the children and women, with a Lack of women the men will follow suit, because of lethal competition and the aforementioned wars.

          The lack of birth control is exactly exacerbating that.

          With a lack of birth control it is not the amount of workers that rise, bit the amount of dead women and children during the birth process.

          We are beyond the profit Phase of capitalism, they fell into AI psychosis and think they dont need us anymor, since soon AI can replace our necessity.

          • HerbGrower@slrpnk.net
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            22 hours ago

            Birth rates fell significantly in the late 1800s, before modern birth control was an option.

            • derAbsender@piefed.social
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              19 hours ago

              And one key factor was that kids became a financial liability.

              That did not change in 200 years.

              You would think if the owning class was interested in many workers that this problem wouldve been Adresse by now.

              But birth rates continue to fall, while child mortally rises.

      • Cowbee [he/they]@lemmy.ml
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        2 days ago

        Capitalists cannot exist without workers. They in fact need larger populations to expand valorization of capital, and to have a reserve army of labor by which they can threaten the employed workers with replacement.

          • jumping redditor [they/them]@sh.itjust.works
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            1 day ago

            extermination based on anything other than race/genetics is not genocide. Making their lives miserable is not genocide. driving up suicide rates in their demographics is not genocide.

            These are all generally bad things but not genocide.

            • derAbsender@piefed.social
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              23 hours ago

              Okay then lets call it systemic extermination based on income and wealth, which in turn is largely based on where and to whom you were born.

              Wait… Something seems ethnic here…

      • HerbGrower@slrpnk.net
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        22 hours ago

        Same as always, don’t have kids you can’t afford.

        Younger millennial and tool until my late 20s to buy a house with my partner. I would want to be comfortable knowing I can support them as an adult as well if necessary before having them.

        Largest concern by far is the mortgage, nothing else even close to compared to that as an expense. Without a mortgage we could work 3 days a month each and life would be easy.

        I was unemployed for a long time after leaving school before I could find something. I don’t know how to get away from that fear of what if I lose my job and can’t find another one after a few years and my savings run out?

          • HerbGrower@slrpnk.net
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            18 hours ago

            Do you want a good life for them or not?

            And its probably more about stability than an absolute rich/poor number. I see plenty of people throwing money away and then complain about never having any money.

            Some monthly expenses I see - £250 on multiple food deliveries a week. £400 to constantly have a new car when the car they drove 3 cars ago is still working fine, while only commuting 2km to work. £80 on a phone.

            Stop doing that for 18 months and you have a pretty good house deposit in most of the country.

            • huey_m@piefed.social
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              11 hours ago

              Do you want a good life for them or not?

              I grew up poor. I’m happy to be alive and overall had a loving childhood. Yes, I had to deal with anxiety around necessities some of my peers didn’t, but it didn’t stop me from enjoying my life and building some memories I still hold dear.

              It is possible to be happy even in those circumstances.

              I think humans have been having kids for thousands of years in all sorts of conditions, and we only recently have developed this “perfect or nothing” approach to when it’s okay to have kids. Some kids grow up poor. You can still build a fulfilling life for a child. You really don’t need to build a shield from every life struggle first… we’ve never needed to as a species, and my own experience confirms it isn’t necessarily all misery. Especially in countries that provide pretty generous financial aid specifically for those kids.

              Some monthly expenses I see - £250 on multiple food deliveries a week. £400 to constantly have a new car when the car they drove 3 cars ago is still working fine, while only commuting 2km to work. £80 on a phone.

              Stop doing that for 18 months and you have a pretty good house deposit in most of the country.

              I will say that my juxtaposed experience both in the US and central Europe is that while a certain number of Americans are definitely struggling hard, there really is some lifestyle creep in that country that doesn’t get talked about with the nuance it deserves. It’s either ideologues bringing it up in bad faith to undermine arguments about wealth inequality, or people insisting that there’s no problem at all with overconsumption among anyone making under $50k/year. So I don’t entirely disagree with this.

              • HerbGrower@slrpnk.net
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                4 hours ago

                I think it is more to try and have some amount of stability, rather than strictly how much you earn.

                I used to live on £8k (part time apprenticeship), way below the poverty line apparently but I wasn’t really worrying about money either.

                Suppose it depends what you view poor as being. Some seem to view it as always being on the edge of running out of money at the end of each month. If that is the case then I wasn’t poor despite only making £8k and I remember at the time hearing of people on over £25k who constantly were.

                Even when I was on near minimum wage a couple years ago (£25k) I didn’t really know what to spend all my money on. Honestly? I still don’t. Picked up some hobbies but there is only so much you can spend gardening, a fork and spade don’t cost that much and plants turn into more plants for free. Allotment rent is like £50/year.

                • huey_m@piefed.social
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                  2 hours ago

                  I agree, but at that point we’re really just saying you have a responsibility to be prepared to be especially frugal if you’re going to have kids while poor. I think that’s a subtle but important distinction. It is true, though.

                  It’s a hard conversation to have, because people bringing up wealth inequality certainly have a point, the data is there (at least for the US and where I am in Europe now), and I think there’s both a moral and practical argument for why that should be addressed. But again, lifestyle creep is real. For example, Americans are complaining about exorbitant housing prices… meanwhile the average American home size is something like twice most of Europe. Of course that’s going to be comparatively expensive. Part of that is the fault of construction companies, but that’s partially driven by demand.

                  Leasing cars and changing them out every few years is way too common, I knew plenty of people near minimum wage doing that. Like you said, food delivery is a big one. Instagrammable vacations is another.

                  There’s very much a “keeping up with the Jones’” culture that leads people who should by all rights be firmly middle class to feel like they’re much poorer than they really are. They get conflated with people who truly are poor, which is a much harder position to be in… the constant stress and anxiety of being poor, especially as an adult, leads to dopamine seeking from sources like cigarettes, alcohol, fast food… then there’s the issue of many working poor being “time poor”, encouraging that kind of delivery eating.

                  It’s a hard nut to crack because there are legitimate systemic, material issues driving some of it, and some simply “bad culture” around money and they’re pretty tangled up.

            • derAbsender@piefed.social
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              14 hours ago

              Do you want a good life for them or not?

              That’s besides the point, of the owning class wanted me to have children, they wouldve find a way, for the common folk to be financially possible. The fact that poor people cannot afford children, even now, is part of their genocide against us and proofs the point.

              And its probably more about stability than an absolute rich/poor number. I see plenty of people throwing money away and then complain about never having any money.

              That is besides the fact that the ridiculous wealth Gap between the Epstein class and us is just too extreme. If the Gap was closed we could live Out lives/“throw away money” and still have children.

              Some monthly expenses I see - £250 on multiple food deliveries a week. £400 to constantly have a new car when the car they drove 3 cars ago is still working fine, while only commuting 2km to work. £80 on a phone.

              You see that? Do you know that they could use deliveries because they dont have the time? Or that their car was leased and they needed to give it back? Same with phones?

              Stop doing that for 18 months and you have a pretty good house deposit in most of the country.

              That still not Epstein class Levels rich which is the point. You are the best example how this system values your bank Account more than human Life. You proof with your Arguments that poor people should First steife for Money, before they propagate and with Money comes the addiction to Status and showing Off, which is often Times done by people who cannot afford, out of shame.

              Your whole comment proofs me right. You merely justified that poor people should be exterminated. Not by force, for now, but slowly through financial sterilization.

    • Addition@sh.itjust.works
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      2 days ago

      Because people (especially 20th century people) have been trained to ignore the evidence of their eyes and ears and trust only the word of the party.

      Maybe this is anecdotal, but all the 20th century people in my life completely disregard what anyone younger has to say, preferring to believe that we’re all entitled, whiny, complaining kids instead of realizing that we’re adults in our 30/40s with genuine economic grievances. But they will blindly believe absolutely anything if it comes from personally preferred news media, even if its complete nonsense.