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Millennial man says "luxuries" aren't the reason young people can't afford to live.

Millennials constantly lament the high cost of living and the fact that so-called "American dream" is out of reach for many of them. Housing prices have skyrocketed, as has the cost of a college education. Eating out has gotten drastically more expensive, and making food at home with fresh groceries is hardly any cheaper. It's just so hard, they say, to get a foothold in the modern economy. Boomers, who grew up in the 50s, 60s, and 70s, however, aren't wasting any sympathy tears.

One of the big talking points in the great American millennials versus baby boomers debate is that, yes, things are more expensive; but has the younger generation has knee-capped itself by its lavish spending habits that have prevented them from owning homes? If millennials stopped buying $14 avocado toast and $1,000 iPhones, would they be able to save enough for a down payment on a modest house?

Freddie Smith, 36, of Orlando, Florida, recently went viral on TikTok for a video in which he challenged the boomer argument with statistics from the Bureau of Labor, Federal Reserve, and the U.S. Census Bureau.

Smith believes that the older generations misunderstand millennial finances because their concept of luxury is based on 1980s economics. That's when most boomers were coming of age and buying their own family homes, and their ideas of saving up for a down payment and affording a monthly mortgage are heavily outdated.

Smith says that for baby boomers, essentials such as rent and child care were much more affordable, but items considered luxuries (TVs, CD players, computers) were much more expensive.

How is the economy different for millennials than it was for baby boomers?

"The main shift is that core essentials—housing, education, healthcare, and even food—have become more expensive," Smith said. "Housing and rent, for instance, now outpace wage growth, making homeownership feel unattainable for many. The cost of childcare has also skyrocketed, and food prices have increased.”

The home price to income ratio is currently at an all-time high. The Joint Center for Housing Studies of Harvard University writes, "In 2022, the median sale price for a single-family home in the US was 5.6 times higher than the median household income, higher than at any point on record dating back to the early 1970s." That ratio was closer to 2.5 in 1980.

Even transportation has skyrocketed. Buying a new car now costs about as much as the median yearly salary, with entry-level vehicles disappearing rapidly and being replaced with high-tech, fuel-efficient offerings.

"As a result, I think older generations have a different perspective on luxury versus necessity,” Smith continued. “They grew up in a time when hard work typically led to financial stability, whereas today, even with hard work, many people struggle with the high costs of housing, rent and medical expenses. Basic survival used to be far more affordable, allowing people more financial room to build a stable life."

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Smith’s numbers don’t lie. For a person in the '80s to own three TVs, a CD player, a cellphone, a microwave, and a computer, it would cost them 3.5 years of rent or a 20% downpayment on the average home. So, it was irresponsible for someone in that period to purchase all of what was known then as luxuries.

However, for millennials, these "fancy toys" are a lot more affordable compared to the big ticket items of housing, childcare, and college education. Skimping out on them won't make a meaningful difference in the attempt to save up the massive amount of cash required for a down payment on a modern home. To wit:

"But if you skip that daily $6 Starbucks drink, you’ll have enough for the downpayment in 29.22 years," Yokahana joked in the comments.

"I hate that housing and transportation have become luxuries," Molly added.

"Imagine spending 3x your rent on a microwave," Donutdisaster wrote.

Older people may see millennials with multiple TVs in their home, along with iPhones and tablets, and think that money could be better saved up in service of the "American dream." But the truth is that those savings won't really help, and worse, they'll make life pretty unenjoyable in the meantime!


Why are luxury goods more affordable now than they were in the '80s?

The price of manufactured goods has steadily fallen over the last few decades due to technological improvements and trade policies that have allowed the U.S. to import goods from places where labor costs are cheaper.

"International, global competition lowers prices directly from lower-cost imported goods, and indirectly by forcing U.S. manufacturers to behave more competitively, with lower prices, higher quality, better service, et cetera," Sociologist Joseph Cohen of Queens University said, according to Providence Journal.

Even as recently as the early 2000s, a high-quality TV was likely to cost over $1,000. Nowadays you can get an equivalent, or better, television set for just a few hundred bucks.

Why are housing prices so high?

Housing prices in the US have soared due to the low inventory caused by the Great Recession, mortgage rates, and zoning laws that make building more challenging.

 Rents have increased considerably since the pandemic due to low inventory, inflation, barriers to home ownership, and the fact that more people want to live alone than with a roommate or romantic partner.

Smith’s breakdown of the economic changes over the past two generations makes a strong case for the idea that millennial financial troubles have more to do with systemic problems than spending habits. The boomers got a bad deal regarding luxury items, and the millennials with necessities. Wouldn’t living in a world where both were affordable in the same era be great?

This article originally appeared in February. It has been updated.

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How often do you change your sheets?

If you were to ask a random group of people, "How often do you wash your sheets?" you'd likely get drastically different answers. There are the "Every single Sunday without fail" folks, the "Who on Earth washes their sheets weekly?!?" people and everyone in between.

According to a survey of 1,000 Americans conducted by Mattress Advisor, the average time between sheet changings or washings in the U.S. is 24 days—or every 3 1/2 weeks, approximately. The same survey revealed that 35 days is the average interval at which unwashed sheets are "gross."

Some of you are cringing at those stats while others are thinking, "That sounds about right." But how often should you wash your sheets, according to experts?

Hint: It's a lot more frequent than 24 days.

While there is no definitive number of days or weeks, most experts recommend swapping out used sheets for clean ones every week or two.

Dermatologist Alok Vij, MD told Cleveland Clinic that people should wash their sheets at least every two weeks, but probably more often if you have pets, live in a hot climate, sweat a lot, are recovering from illness, have allergies or asthma or if you sleep naked.

We shed dead skin all the time, and friction helps those dead skin cells slough off, so imagine what's happening every time you roll over and your skin rubs on the sheets. It's normal to sweat in your sleep, too, so that's also getting on your sheets. And then there's dander and dust mites and dirt that we carry around on us just from living in the world, all combining to make for pretty dirty sheets in a fairly short period of time, even if they look "clean."

Maybe if you shower before bed and always wear clean pajamas you could get by with a two-week sheet swap cycle, but weekly sheet cleaning seems to be the general consensus among the experts. The New York Times consulted five books about laundry and cleaning habits, and once a week was what they all recommend.

Sorry, once-a-monthers. You may want to step up your sheet game a bit.

What about the rest of your bedding? Blankets and comforters and whatnot?

Sleep.com recommends washing your duvet cover once a week, but this depends on whether you use a top sheet. Somewhere between the Gen X and Millennial eras, young folks stopped being about the top sheet life, just using their duvet with no top sheet. If that's you, wash that baby once a week. If you do use a top sheet, you can go a couple weeks longer on the duvet cover.

For blankets and comforters and duvet inserts, Sleep.com says every 3 months. And for decorative blankets and quilts that you don't really use, once a year washing will suffice.

What about pillows? Pillowcases should go in with the weekly sheet washing, but pillows themselves should be washed every 3 to 6 months. Washing pillows can be a pain, and if you don't do it right, you can end up with a lumpy pillow, but it's a good idea because between your sweat, saliva and skin cells, pillows can start harboring bacteria.

Finally, how about the mattress itself? Home influencers on TikTok can often be seen stripping their beds, sprinkling their mattress with baking soda, brushing it into the mattress fibers and then vacuuming it all out. Architectural Digest says the longer you leave baking soda on the mattress, the better—at least a few hours, but preferably overnight. Some people add a few drops of essential oil to the baking soda for some extra yummy smell.

If that all sounds like way too much work, maybe just start with the sheets. Pick a day of the week and make it your sheet washing day. You might find that climbing into a clean, fresh set of sheets more often is a nice way to feel pampered without a whole lot of effort.


This article originally appeared last year.

Health

Too much stuff causes stress. Here are 4 simple mantras to help you declutter for good.

These short sayings can clear the mental clutter that keeps us from getting rid of things.

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We often hold onto things for sentimental reasons.

It's no secret that Americans on average have too much stuff. Yay, capitalism!

Seriously, though, most of us bring new things into our homes pretty regularly, and if we aren't purging regularly, they start to accumulate. We fill drawers, closets, bins, basements and garages with it, and then at some point realize we're swimming in stuff and need to declutter.

The problem is, as much as we may want to pare down and simplify, a lot of us are really bad at getting rid of things. Decluttering involves decision-making, and decision-making can be exhausting. There are also psychological and emotional reasons we hold onto things, and those mental hurdles are often what we need the most help overcoming.

So along with practical decluttering tips like having a garbage bag and a giveaway box with you as you go through different areas of your home, try using these four mantras to help clear the mental clutter that makes physical decluttering difficult.


1. "Stuff = stress"

There's plenty of research that shows clutter causes stress and anxiety, and it's pretty hard not to have clutter when you have too much stuff. Keeping the why of decluttering front and center can help keep you motivated as you start to purge.

Every item in your home costs you time and energy every time you encounter it. Moving the thing from one place to another, deciding where to put it, cleaning or dusting it, or even just having it take up space in your life costs you something mentally. Lots of small things add up to a large mental load, so ask yourself—Is this item worth what it's costing me?

Stuff = stress. Less stuff = less stress. Keep that simple, freeing truth top of mind as you declutter.

2. "Maybe means no"

We've all been there with something in our hand trying to decide whether to keep it.

This notebook might come in handy sometime…

Maybe I'll want to wear this dress one day…

But I might need that gadget in the future…

Nope, nope, nope. As soon as the words "might" or "maybe" come into your decision-making process, it's a sign to ditch the thing. "Maybe" or "might" means you don't need it right now, you aren't using it right now, and you don't know if you ever will.

If you keep things on the off chance that you might need them someday, you'll never get rid of anything. The reality is there are very few things that you won't be able to get in the future if you really need it. Your home is not a general store. And you are living in your home right now, not in the future.

When it comes to decluttering, maybe means no. Every time.

3. "Things aren't memories"

This is a tough one for a lot of people to swallow, but some of us hold onto way too many things for sentimental reasons because we tie them to memories. Souvenirs, playbills, concert tickets, wedding gifts, grandma's knick-knacks—so many things that make us go "Aww, remember when…" when we look at them, but here's the thing:

Things are things. Memories are memories. Things aren't memories. You can 100% still have the memories without keeping the things.

Things might trigger memories, but you can easily accomplish that by taking a photo of the thing that triggers the memory and getting rid of the thing itself. Make a "mementos" photo album for all those "but that reminds me of that happy thing" memory triggers and pass on the things themselves.

Of course, there may be some genuinely meaningful and valuable personal treasures that you truly love and want to hold onto. But most memory-associated items aren't that. They're just things. Keep the memories. Let the things go.

4. "Keep it flowing"

This is the main mantra to hold onto as you move forward. Once you've decluttered to a point where you feel light and free and good about what you have, it's time to think about how to maintain that sense of freedom. And the key to that maintenance is, "Keep it flowing."

Rather than seeing your home as a receptacle to inevitably get filled up, see it as a channel that things naturally flow in and out of. Look at it as a flowing river, not a stagnant pond. New things will always be coming into our lives, therefore old things need to go out.

The reason we end up with so much stuff is that we fail to recognize this flow. Some of us come from a deprivation mindset, so we are afraid to let things go even when new things come in. Some of us are influenced by the "more is more" mindset of consumer society, so we keep adding without subtracting to keep a balance.

In our modern world, things come and go. Keep that flow going on purpose whenever you bring something into the house, and you won't have to do another big declutter project again.

Health

7 practical tips for creating more hygge in your home

Embrace the winter season with cozy comfort and connection, Denmark-style.

Hygge is an aesthetic, an atmosphere and an experience all at once.

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Some people love everything about winter—the brisk air, the frosty trees, the long evenings. Others loathe the frigid winter months and have to be dragged through them, kicking their fur-lined snow boots all the way.

If you’re one of the latter, I’ve got bad news. Winter happens whether we like it or not—always has and always will. So rather than fight it, perhaps a better approach is to embrace it—or at least the good parts about it. Leaning into indoor warmth and playing up cozy comfort and connection make the dark, cold months much more bearable.

That’s the idea behind the Danish concept of hygge, which encourages slowing down, appreciating the simple things, and creating a warm, inviting haven of comfort in your home. Many of us have become familiar with hygge in recent years, but we may not know how to actually make it happen. There's no one right or wrong way to create hygge, but here are seven practical tips for bringing more of it into your home.


1. Maximize natural light—but also add string lights

string lights in front of a window

When in doubt, add more string lights.

Photo by Shashi Chaturvedula on Unsplash

We get less sunlight in the winter, so during the day, we need to maximize whatever natural light we have. Keep curtains open and keep your windows unobstructed during the day.

Then add more light! Fairy lights/string lights/twinkle lights—whatever you prefer to call them—aren’t just for Christmas and they add so much warmth to a space, even during the day. Drape them around the windows, across the mantle, along the wall or wherever it makes sense to put them. Also, once night hits, opt for lamps instead of overhead lights, which can feel cold and harsh.

2. Introduce soft, plush textures

woman reading under a fluffy blanket

The fluffier and softer the better

Photo by Cole Keister on Unsplash

Plush blankets, fur pillows, throws made from sheepskin or cotton—all the things you’d want to cuddle up with add to hygge. Decor elements made out of natural materials like woven baskets, wooden accents, and textured rugs also enhance the warm hygge aesthetic.

3. Bring the outdoors indoors

\u200bPine and pinecone sitting on a table

Bringing in plants doesn't have to be complicated or expensive.

Photo by Sixteen Miles Out on Unsplash

We bring fresh flowers indoors in spring and summer, but often neglect to think of plants as decor in winter. But bringing the outdoors in with potted plants and boughs of greenery promotes a sense of calm and well-being. Even just some simple pinecones or sprigs of pine can add a lot to the atmosphere.

4. Embrace candles and soothing scents

candles on a table

Candles warm up any space immediately.

Photo by Sixteen Miles Out on Unsplash

Candles are a hygge essential, adding a warm glow and tranquility to any space. Even battery-operated flameless candles help with hygge if you aren’t able to use real candles in your space. Naturally scented candles or essential oil diffusers in soothing scents like lavender, vanilla or cinnamon can make the hygge experience multi-sensory, enhancing the calming effect.

5. Invite people over for a cozy, casual hangout

four friends laughing and hanging out

Keep company casual.

Photo by Cole Keister on Unsplash

Warmth and coziness isn’t just about decor, it’s about well-being, and a hygge atmosphere really shines when you’re connecting with people. So have a get together, but keep it simple. Invite a few friends or family members over for a cup of cocoa. Maybe play a classic board game. Bake cookies together and enjoy them. Or just sit by the fire or the candles and chat. Invite them to come in their jammies if you want. Keep it casual and cozy.

6. Create a hygge corner for yourself

pillows, books and candle on a window seat

Make yourself a cozy personal space all your own.

Photo by allison christine on Unsplash

“Connection” also means connecting with yourself. Designate a specific area of your home as your personal hygge haven. Maybe you create a cozy reading nook, a quiet meditation spot, or a comfy armchair by a window. Fill it with books, artwork or cherished mementos that bring you joy.

7. Indulge in self-care with simple rituals

woman in sweater holding a mug

Cozy up with your favorite cup.

Photo by allison christine on Unsplash

Again, hygge isn’t just an aesthetic; it’s an attitude of embracing simple pleasures. What basic self-care rituals can you add to your daily routine? Maybe a warm cup of tea? Reading by a fireplace? A candlelight bath? Writing in a journal? Focus on self-care activities that promote peace and well-being.

Hygge isn't about accumulating specific possessions or achieving a certain style; it's about purposefully creating an atmosphere that nurtures comfort, contentment and well-being. Winter really is easier to get through when you lean into the season, which means slowing down, comforting all of your senses and giving yourself the gift of cozy, tranquil connection with yourself or with others.