Generational

Adulting was supposed to be empowering—not a nonstop economic anxiety spiral.

Gen Z entered adulthood with big dreams, solid degrees, and more side hustles than sleep. But instead of financial freedom, many are hitting a wall of harsh realities no one really prepped them for. Rent’s outrageous, debt is suffocating, and saving feels like a joke when paychecks vanish before the month ends. It’s not that Gen Z is reckless—it’s that the system’s rules shifted, and no one sent an update.

What used to work—go to school, get a job, build a life—doesn’t feel guaranteed anymore. Instead, there’s a constant pressure to “figure it out” while navigating a world where stability is slipping out of reach. These 12 cold truths might sting, but knowing them can help you stop blaming yourself and start making smarter moves. Because Gen Z isn’t financially doomed—they’re just playing a game that’s way harder than anyone admitted.

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Idealism sounds great until it runs into bills, burnout, and broken systems.

Gen Z has big dreams, and one of the boldest is a future where class no longer defines opportunity. The idea of a classless society—a world where everyone has equal footing and wealth doesn’t divide us—has gained real traction among younger generations. On paper, it sounds beautiful. In practice, it runs up against centuries of complexity, human behavior, and a whole lot of economic reality.

This generation grew up online, watching influencers preach hustle culture while others flaunted generational wealth. Understandably, they’re disillusioned. But dreaming of equality doesn’t automatically change power structures, redistribute wealth, or solve inequality. Before Gen Z can dismantle systems or reimagine society, they’ll have to reckon with what’s real, what’s possible, and what it takes to build lasting change. These 11 truths offer a necessary dose of clarity to balance the idealism—and maybe sharpen the vision for something that actually works.

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Things your boomer parents keep holding on to that might be causing harm.

You’ve probably noticed that your boomer parents tend to keep everything—old gadgets, clothes, or trinkets. While it might seem harmless at first, these items can sometimes create unnecessary clutter, stress, and even health risks. The tendency to hoard isn’t just about sentimentality; it’s tied to habits developed over a lifetime, often rooted in practicality or nostalgia.

But as they age, keeping certain things around can lead to more harm than good. In some cases, these well-meaning collections are simply out of place or unsafe in today’s living environment. The good news is that recognizing what to hold on to and what to let go of can improve their quality of life and make their home safer.

Let’s look at some everyday items that your boomer parents might be hoarding and how they can impact their well-being.

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The habits that once seemed normal now feel outdated.

The pandemic didn’t just change the way we work and socialize; it reshaped how we see the world. For millennials, this shift brought a fresh perspective on habits that used to go unquestioned. Things that once felt like minor inconveniences or social norms are now glaringly outdated. As life returns to something resembling normal, it’s hard not to cringe at certain pre-pandemic practices.

This isn’t about nitpicking every little thing. It’s about realizing how much our priorities have changed. Some habits now seem unnecessarily stressful, while others feel downright unhygienic. What was once tolerated for the sake of tradition or social expectations is now being questioned—and often rejected. These post-pandemic realizations offer a glimpse into how millennials are redefining what matters.

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Ignoring climate change is costing younger generations more than they realize.

Climate denial isn’t just about refusing to believe in science—it’s having a serious financial impact on younger generations. As natural disasters become more frequent and severe, the costs of rebuilding, insurance, and infrastructure repairs keep climbing. These expenses aren’t just hitting governments and corporations; they’re trickling down to everyday people in ways that make life more expensive, especially for those just starting out.

Homeownership, healthcare, and job stability are all being affected by environmental changes, but many in power continue to ignore the long-term consequences. Instead of addressing the root causes, policies and industries built on climate denial are leaving younger generations to deal with the financial fallout. If these issues aren’t tackled soon, the cost of living will keep rising, and financial security will become even harder to achieve. Here are some of the biggest ways climate denial is making life more expensive for younger generations.

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Retirement is starting to feel more like a fantasy than a future plan.

For Gen Z, the idea of retirement doesn’t look anything like it did for previous generations. Instead of picturing a quiet life of financial security, many young people see a future filled with rising costs, unstable job markets, and a pension system that might not be around when they need it. The traditional path of working hard for 40 years and then enjoying retirement seems more uncertain than ever.

With student debt piling up, housing prices skyrocketing, and wages struggling to keep pace with inflation, it’s no wonder Gen Z is questioning whether retirement is even possible. Many are rethinking the whole concept, focusing on financial independence rather than a traditional retirement at 65.

These harsh realities are making it clear why younger generations are starting to believe retirement might be a myth—and why they may have to carve out an entirely different future for themselves.

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