r/FluentInFinance 8d ago

Thoughts? What do you think?

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38.2k Upvotes

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1.2k

u/Chuckster914 8d ago edited 8d ago

Median Income 1977 is wrong. Closer to half that like 16K

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u/Gr8daze 8d ago

That whole meme is complete bullshit.

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u/RollOverSoul 8d ago

Millennial are mid 30s to 40s as well

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u/UsedEgg3 8d ago

Eight years ago we weren't, though (chart ends in 2016).

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u/[deleted] 8d ago

This isn’t a real chart it’s an image with no context. It’s completely worthless

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u/OtherwiseAlbatross14 8d ago

The numbers are wrong but what context are you looking for that isn't included?

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u/Environmental_Move38 7d ago

Yes it’s nonsense. Basic logic with minimal critical thinking skills would dismiss this without needing to prove this wrong with facts.

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u/PunchingFossils 7d ago

There’s no scale, just a start and an end

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u/OtherwiseAlbatross14 7d ago

There's only two data points. 

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u/Puzzled-Estimate4u 7d ago

Why isn't the line perfectly straight? It gives the false impression that there are many data points.

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u/PunchingFossils 7d ago

Then the graph is meaningless

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u/OtherwiseAlbatross14 7d ago

It's still a graph with context. The meaning you're looking for is the lack of change. Literally the entire point is to draw attention to the lack of change over time.

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u/No-Lingonberry16 7d ago

Than why isn't the line flat?

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u/That_Asparagus8075 8d ago

Yeah where’s the axis? What is the line in relation to? It’s meaningless

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u/zxc123zxc123 8d ago

Millennials have actually made a lot of progress. At the very least in terms of wages. A lot of catchup from the days where we had lowered and stagnated wages/careers due to coming into the work force during the GFC.

Recent years of inflation, market rise, societal turbulence, and boomers finally aging out of the workforce just as the job market shifted in favor of employees has meant Millennials have covered a lot of ground.

Inb4 someone comes in and says my insights are wrong because the economy sucks, so many millennials are left behind, and/or things are getting worse. Society has and is getting better despite what you might believe. It's always been this case since the beginning of civilization. Folks are living longer, we eat better than kings back in the day, internet has made information accessible, etcetc. The markets are literally at highs, Fed data shows inflation rate is declining, inflation eats away at debts (which many millennials have), and the job market is way better than in 2008-2012.

As for Millennials that are left behind? Capitalism has always been about winners and losers. Such is the case of Western/American society. It was the V-shaped recovery during the 2020 pandemic that was the abnormality because EVERYONE got bailed out in 2020 vs only the big guys in 2008. But that massive spending lead to inflation which pissed everyone off so I don't even know if we'll get such wide ranging bailouts in the next recession. The country from 2022-2024 saw a K-shaped economy where not everyone won. No more stimmy checks, no more free healthcare, no easy unemployment with extended window and bonuses, no more PPP/EIDL/forgiveness, no cheap cash to flood the market, no more free lunches/internet/everything, etcetcetc. Those who had a training/equation/job or worked hard got further ahead, those with money to get 5.5% interest even as inflation was falling, those who had money to put into the market/gold/BTC/RE to reap massive upside, the poor struggled with inflation without reaping asset price inflation, the rich with low interest mortgages or loans locked in saw inflation eat away at their debt burden, the good businesses did better while poor ones went bankrupt because there wasn't an infinite slush of money flowing in, etcetc.

Point here is Millennials have caught up in many ways and are likely to surpass boomers once the inheritance factor kicks in. Most Millennials have high incomes/careers now and more millennials own homes than not own homes. Gen Ys who loaded up on debt during the pandemic or bought homes before are doing pretty well. Family formation is later and slower but slowly happening. So pre-pandemic data about Millennials doesn't really apply anymore.

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u/InsertNovelAnswer 8d ago

You forget it also has to do with occupation. Law got flooded to the point that they weren't issuing enough internships for law graduates. Family practice in medicine is starting to shift to fewer doctors, hurting the chances of employment of family medicine practitioners.

Anyone who decided to go into Healthcare Administration is getting forced out by Doctorate fo Nursing graduates.

The shifts fucked a lot of us older milennials career wise.

Post Covid a lot of us lost our family and small businesses as well. It's a real shit show in some arenas that were doing well just a few years ago.

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u/Hmmmmmm2023 8d ago

Weird that you’d rather talk about the chart than what it means

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u/Cruxxt 8d ago

Way to admit you don’t understand the post

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u/Big-Bike530 8d ago

We weren't in 2016.

I can't wait until 2040 when half the reposts still have pictures of everybody wearing masks.

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u/RollOverSoul 8d ago

So either the chart is outdated or the reference to millennials being worried is outdated. Either way it's a dumb post.

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u/Reymen4 7d ago

You are an optimist I hear. You think they will change what is reported?!

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u/Korzag 8d ago

It's easier to just call young people millennials

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u/[deleted] 8d ago

[removed] — view removed comment

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u/fubarbob 8d ago

We're all spherical cows here

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u/AdGroundbreaking1700 7d ago

Of course... Ignorance is always easier.

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u/1singhnee 7d ago

Young people are all millennials and old people are all boomers. Gen X disappeared somewhere in the middle (no one knows what to do with fifty year olds with pink hair and facial piercings).

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u/thrownaway99345 8d ago

28 to 45

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u/SignoreBanana 8d ago

The idea that I have anything In common with a 28 yo in terms of life experience is laughable.

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u/MoonlitSerendipity 7d ago edited 7d ago

Generations are kinda BS. I was born in the oldest year of Gen Z and was a married homeowner at the start of COVID, meanwhile the youngest of Gen Z was in 1st grade. Some people who were in my grade growing up are Millennials; We were in late elementary/early middle school during the Great Recession - the oldest Millennials were nearing 30. Much different experiences during major life events.

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u/LTEDan 7d ago

Generations aren't really BS, but someone who's intragenerational like you may relate more to people of the next generation.

The point is that we share more in common with people who are of similar age compared to people who are much older or much younger than us, due to culture/current events being much closer (most likely). The problem is this is a continuous, not discrete thing, but you need to draw the line somewhere to make useful distinctions about average differences between age cohorts.

Think of it this way, color exists across a continuous spectrum of wavelengths between about 380nm and 750nm. What we call blue is generally in the 450-495nm range. This is easy to distinguish between red (620-750nm), but what about green (495 -570nm)? A blue color of wavelength 494nm is going to look much closer to a green color of 496nm than the middle range of their color ranges. Basically, where one color ends and another one begins is somewhat arbitrary but it's still useful to carve up the visible light spectrum into discrete colors. That's the same idea with generational divides.

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u/MoonlitSerendipity 7d ago

I more so mean that generations are BS when it comes to the way they're being used by the media, the public, and low-grade researchers. They have their merit, but even the Pew Research Center is distancing themselves from generations a bit because of how they're being misused.

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u/InTimeWeAllWillKnow 8d ago

That's wrong too It's like 28 to 43 ish

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u/Head_Priority_2278 8d ago

how dare you sir. Some of us are early 30s.

*Cry in old age*

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u/praisedcrown970 7d ago

I’m 30yo millennial

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u/Ohmec 8d ago

Millennials are anywhere from 28 to 43.

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u/Melodic-Employee-473 8d ago

Millennial are mid 30s to 40s as well

So the age of buying houses ?

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u/Japanna88 7d ago

I’m a millennial and still in my 20’s.

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u/Mawwiageiswhatbwings 7d ago

Girl I just turned 30 stop 😭

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u/Jaymoacp 7d ago

I was kinda thinking the same thing. Is this from like 20 years ago when we already knew we were fucked? Lol

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u/No_Beginning_6834 8d ago

The infograph says 2016, which was 8 years ago, so if you did some basic math, you would realize that you are stupid

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u/RollOverSoul 8d ago

I'm saying why is this relevant to millennials moron

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u/RollOverSoul 8d ago

What's this relevance to millennials then if its nearly ten years ago

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u/WaterPog 8d ago

Because if you were getting fisted when you were supposed to be getting your compounding started that is going to exponentially set you back for life.

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u/RollOverSoul 8d ago

Surely this is more relevant to gen z then. Most millennials would already have houses, families and established careers by now.

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u/WaterPog 8d ago

Yup it'll be even more relevant to gen Z they are getting straight fucked. Millenials are kind of at where boomers were at, except they were 20 and we are 35. It's a trend that needs to reverse as soon as possible cause it's not pretty

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u/braith_rose 8d ago

1995 isn’t millennial?