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Pop Culture

Elder millennial reveals what people get wrong about her generation in the 2008 recession

She also theorizes this is why Gen Zers might have a harder time.

Photo credit: Canva

Millennials have already been through one. Could another be on the way?

Social media is teeming with theories that a recession similar to 2008 is upon us. For millennials specifically, this time period helped give them the nickname of “the unluckiest generation” as it affected student loan debt, the impossible feat of buying a home and starting a family, and the lack of available jobs—especially ones worthy of those expensive degrees.

And yet, Jenna Rohlfing, 39, argues that people get "millennial culture” during this time, really, really wrong. Why> Primarily because people don’t take into account how a lack of social media actually made a lot of the struggle much easier to navigate, which could be concerning news for Gen Zers.

In a video posted to her TikTok, Rohlfing first depicted the scene for many millennials during 2008. Yes, they had to provide their own health insurance (or go without health insurance and hope for the best), as well as pay for their rent, but what they weren’t buying were cosmetic procedures, high end hair products, skincare and makeup…i.e. the things that are marketed to Gen Zers on a daily basis.


@jennaleighstl We were ugly and poor in our Forever 21 club gear. Okay? #millennials #millennialsoftiktok #momsoftiktok ♬ original sound - Jenna-Millennial Mom


“If you had ‘nice’ makeup, you might have gotten it at Clinique but your mom was buying it for you,” she said.

In an interview with Newsweek, Rohlfing expanded on this idea, saying that millennials, most of whom only made around $40K at the time, “didn't have large-scale social media to influence us into purchases or compare our lives to other people,” whereas Gen Zers, who grew up fully immersed by technology and influencer culture, “face a lot more pressure both socially and economically to keep up."

Judging by the comments, Rohlfing is certainly not alone in her thinking.

“Millennial culture was less status obsessed.”

“Real. ‘How did you survive?’ Maybe because there was no influencer culture and we could be poor in peace.”


Poor Help Me GIFfrom Poor GIFs


“We weren’t being influenced to buy something new everyday.”

“I think one of the best things about the 08 recession was we didn't realize what we were missing. No social media to rub it in our faces.”

Furthermore, what was considered healthy during 2008 was drastically different than today, Rohlfing argued. Back in her day, noshing on cheap “Lean Cuisines” was perfectly acceptable, whereas today there is more pressure to buy organic produce.

“We had a real $1.00 menu. THat’s how we survived lol,” one millennial quipped.


Kinhkills Mcdonalds Memefrom Kinhkills Memes


“No pilates, no group exercise classes, you had a DVD of some cardio nonsense and maybe a $30/month gym membership and no cute workout sets!” another said.

Still another recalled, “I remember once paying for a McDouble and a McChicken with a Ziploc bag of dimes. DIMES.”

In essence, Rohlfing seems to be saying that, by and large, millennials weren’t up against the same levels of consumerism that many Gen Zers face today, making whatever possible recession looms already a different animal altogether.

According to some experts, the recent tariff announcements and escalating tensions between the U.S. and trade partners indicate not the return of a recession, but of stagflation, which is a combination of two undesirable economic conditions—high inflation + slow economic growth. You can also add high unemployment rates to the mix. This is also a different factor from 2008's situation.

But, really, now that we are all in a social media driven world full of pop-up ads everywhere you look, every generation can probably benefit from really aligning purchases with their priorities during this time. For millennials, those priorities probably align with some kind of Disney memorabilia.

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Education

9 super simple things people can do to save money that are often overlooked

Doing all of these things really adds up.

Photo credit: Canva

People might not consider driving the speed limit to taking care of your teeth as money-savers, but they are.

No matter how the economy is doing at any given time, people are always looking for ways to save money. Rents go up. Job losses happen. Kids need braces. Retirement looms.

Financial advice often focuses on where to put your money for the best returns, but that advice is only helpful if you have extra money to save or invest. Money-saving tips can help free up some cash to save or invest, and they can also help you avoid having to put borrow money or use credit for things you can't immediately afford.

While some people understandably scoff at frugal tips like "eat less avocado toast"—as if saving a few bucks here and there will solve the housing crisis or make college affordable—there is something to be said for small amounts adding up. For instance, not buying a soda when you're eating out to save $4 may not seem like much, but if you did that once a week, you'd save over $200 in a year. Not a fortune, but nothing to sneeze at either.

And if you start combining lots of small money-saving habits like that, you may be surprised at what a difference it makes. Here are nine super simple ways people can save money—but often don't—from users on Reddit:

Take good care of your teeth

"An ounce of prevention's worth a pound of cure," as the saying goes. Toothbrushes and dental floss are cheap. Cavities, root canals and gum disease are wicked expensive. Good oral hygiene may not be the first thing you think of when it comes to saving money, but ask anyone who has neglected their teeth how much it has cost them in the long run.

via GIPHY

"Take care of your teeth: brush and floss everyday - preventative care now will save you THOUSANDS later if you need major dental work!

"Yup. This is often overlooked advice. My mom had lost most of her teeth by the time she was my age (40). She always said that this was her biggest regret in life. Because of this, my siblings and I have always been pretty good about taking care of our teeth. Right now my mom has dentures that don't fit well because she lost another of her remaining teeth but can't afford new dentures."

"As someone who has paid a thousand and will pay many thousands more in the near future…yes. Take care of your teeth."

"Can confirm! Just spent 20,000 on my teeth. Talk about eye opening!!!"

Only drink water

Drinks are expensive, and not just fancy ones. A basic soda will set you back $3 or $4 minimum at most restaurants, and everything else goes up from there. Water is free. Even at home, you can save a lot by simply drinking water. It's a simple rule that helps improve the health of your body as well as your bank account.

via GIPHY

"Drink water at restaurants and not soda."

"Only drink water. Not only will you save money, but your body will love you for this as well. Win\win."

"Water is my biggy. Don't drink soda period. Filtered at home. Doing this for 5 years and seriously tastes so good."

"Yep. Just take a look at what restaurants charge for a soda. It's usually around $3 now. Then, look at how many empty calories are in a 20 oz soda. It's basically 10% of your daily value on just one drink. Not worth it."

"If I learned anything in the military... drinking more water solves 99% of all problems."

Use the library (not just for books)

Free reading material? No brainer. But libraries have so many more free services that people often don't know about. From movies to language learning apps to artwork and tools you can check out, the range of things you can get from the library is wild. Definitely worth checking out your local public library's offerings if you haven't lately.

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"Make use of free services. Mostly, the local library. Sometimes there's a feeling that just because it's free it's trashy or peasant-like. I don't need to pay to see something in order to feel good about it. And libraries are amazing! Free books! Audio books! So many things."

"My library has tools and equipment available to borrow. Before going to big orange to rent a pressure washer, floor sander, paint sprayer, or post auger, I always check the library first lol"

"Public libraries are a gold mine for (almost) free. Ask them about their other options (than books, movies, music, etc.). Many libraries offer museum passes. I’ve heard of fishing poles. My library has a seed library."

"Ours you can check out a sewing machine. Plus attend a free workshop to learn how to sew!"

Ditch DoorDash

I know. All of those food delivery services are so convenient. But they're also soooo expensive. If you're in money-saving mode, definitely avoid these services like the plague. Just pretend they don't exist (because they literally didn't until very recently).

via GIPHY

"This. Your meal is easily 50% more expensive when you factor in delivery fees and a tip. and some restaurants charge more on door dash than they do in-person."

"Delivery fee? That's just the tip of it! Ever notice how there still is a bunch of extra fees on top even when they offer you the delivery fee for free?"

"And to make it worse, I tell myself that I have to order more food to justify the delivery fee! So now just paying more and overeating."

"It really is an addictive habit. We started using it during the pandemic and it really just was a bit of convenience that we found hard to give up because it was so easy... Pick up your phone, order, get delivery, eat, done... Every time we saw the card, we knew that the delivery fees were what was pushing our eating out budget way over but after a hard day of work and school, it was easy to convince ourselves that delivery is a worthwhile indulgence and the expenses add up real quick. It took us a lot of introspection and telling ourselves that we were 'sacrificing' for the future, and all that to stop ordering via delivery apps and within a couple of months, we saw us being closer to managing our budget."

Drop addictive substances

Addiction is a huge and tricky challenge, for sure, and I don't want to minimize how difficult this tip might be for some. But drinking, drugs, smoking, vaping, gambling—they all cost a lot of money. And the addictive nature of them means that you'll just keep spending more and more.

via GIPHY

"Quit addictive habits: Smoking, drinking, coffee, weed, etc. They're all expensive and you'd save a bundle quitting. But people don't because they think those things make life better. Some do and some don't, but the monetary savings can't be discounted. If you're broke, don't smoke or drink. Some people truly need weed for health problems. But nobody needs the others."

"Stop drinking and smoking, the government punishes you with a sin tax and makes big time bank of your vices."

"Seems obvious but quitting smoking. I see so many people complain about being broke but spend hundreds a month on ciggs."

"Stop drinking, smoking and going out so often. You'd be surprised how good sobriety feels! Even if you continue, just slow down!"

Say no to storage

Most of us have too much stuff. There is an entire industry around trying to help people pare down and "declutter," and there's an entire industry dedicated to renting people space to store their excess stuff. Making a rule to only hold onto the belongings that actually fit in your home will save you a lot of money in storage.

"More prevalent in the US, but get rid of your storage unit and most of the stuff in it. More often than not, you're paying more to store things that it would cost to buy it all again. If you can't fit it in your home, re-evaluate if you really need it."

"There are so many huge storage unit buildings in my area and it makes no sense to me. How important can this stuff be if you can't fit it in your home? I understand there are certain situations that require for a short term solution."

"That was my goal for 2022, Took me a few Saturdays to go through everything but it was worth it. I'm having over $200 a month now."

Cook at home a lot more

Even when inflation makes grocery prices uncomfortably high, it's still almost always cheaper—often significantly so—to cook food at home compared to eating out. Yes, that even goes for fast food. There are a million videos and social media channels dedicated to cooking and recipes can be found for free all over the internet.

via GIPHY

"Cook at home 98% of the month."

"Cooking/meal prepping VS Eating out every night."

"Batch cooking saves both time and money. Like you can spend 2 hours making meals for the rest of the week. Paying 8-15 dollars to eat out adds up very, very fast, if you do it regularly, to keep up with work or personal schedules."

"Learn to cook what you like to eat."

Drive the speed limit

This isn't one people usually think about, but driving the speed limit saves you money in several ways. For one, it's gas-efficient, and with the cost of gas in some places, it's worth easing up on the gas pedal. Second, speeding tickets are expensive, plus they lead to higher insurance premiums.

via GIPHY

"For those that don't get this: driving the speed limit avoids citations but also saves you gas, extends oil life and tires some, extends brakes quite a bit, and just generally lowers the wear and tear on your vehicle."

"This is so underrated, I don’t think enough people realize the extra cost of driving fast."

"It also only gets you there maybe 1-2 min faster, at best. Hitting Traffic lights at the wrong time will ruin any gains made by speeding. And only if you don’t get caught. Get caught and get points on your license, a fee, and it delays you 20-30 minutes."

"Your car insurance rates go up when you get tickets also. Get too many, and they may drop you."

"My step-sister was saying she pays the city about $500 a month in speeding tickets and parking tickets. The real wild thing is she said it like its a normal thing everyone has to deal with, like she was shocked when we didn't say 'Well that's <CITY> for you. What can ya do?'"

Fix things yourself

Many people never consider trying to fix something themselves, assuming that sort of thing is best left to the experts. But there are so many resources now with YouTube videos and such that can help walk you through a lot of fix-it projects that can save you boatloads. Not everything can be a DIY, of course, but probably more than you might think.

via GIPHY

"I've saved thousands of dollars by repairing things myself following YouTube videos. Washer, dryer, automotive stuff, cell phone screen replacements, etc."

"There is a website, repairclinic.com. They not only have tons of videos on how to fix stuff, but they also sell parts. I have a dryer that’s over 40 years old. I can’t get parts for it in regular stores. That website has been a lifesaver! I’ve been able to keep the thing going for the last decade and it works great! I’ve spent maybe $75 over the years to keep it running. Definitely cheaper than a new one."

"If you tackle things within reason it saves a butt load of money. $350 mechanic bill turns into $16 part and 1hr of your time."



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Education

Americans have 4 core beliefs about money but only one leads to success

Changing our thoughts can be a pathway to success.

via Karolina Kaboompics/Pexels

A happy woman holding up a few hundred dollars.

A strange thing about being an adult is that many of our core personality traits, including our attachment styles, attitudes towards failure and ability to resolve conflicts, are developed as young children and can follow us for the rest of our lives.

In addition to those traits, psychologists are beginning to understand that we develop our attitudes about money as children and they can significantly impact our financial future.

American clinical psychologist and planner Dr. Brad Klotz developed a theory called the Klotz Money Script, in which he outlined the four core beliefs that people have about money. They are either money-avoidant, worship money, status-seekers, or vigilant.

He’s also created a test that people can take to learn which money script they follow.

Klotz believes that many factors contribute to the money scripts we run in our heads. “It’s not just errors in thinking; it’s also developmental psychology, multicultural psychology, family systems. It brings in all these other areas of psychology to help understand financial behaviors,” he told The American Psychological Association.

Here are the 4 money scripts:

Money Avoidant

People who are money-avoidant believe money is evil. They might feel they don't deserve money, think the wealthy are corrupt and see virtue in living with less. They may be prone to sabotaging their finances, have trouble budgeting, or avoid dealing with money altogether.

Money Worshippers

These people believe that money solves problems and brings happiness. They never feel they have enough money and find that the pursuit of money makes them miserable. They often have high levels of debt and lower net worth.



Status-Seekers

Status-seekers often equate their sense of self-esteem to their net worth. They like to show off flashy clothes and cars but are prone to overspending. They are usually attracted to gambling, borrow money from others and hide spending from their spouses.

Money Vigilant

The Money Vigilant make the best decisions for their financial health. They believe in working hard, saying no to handouts and saving. They also avoid credit card debt and love a good bargain. However, being vigilant can cause them to fear their financial futures, which can create a constant feeling of anxiety.



Overall, Klontz believes that the financially vigilant have the greatest chance of becoming financially prosperous. However, it can come with some pitfalls.

“Don’t let your healthy vigilance turn into anxiety or a tendency to hoard out of fear. If you feel that watching over your financial situation is taking up more than an hour a week, keeping you up at night, or getting in the way of other hobbies or activities that you want to do, it may be time for a change,” he said according to SF Money Coach.

In the end, to be free from the financial attitudes that were cultivated in us as children—at a time when we hardly knew what money was—Klontz says it’s important to examine your past so you can plot a better future.

“Take some time, interview your family members, be an anthropologist into your own family,” he told CNBC. “Try to figure out why your family has the beliefs around money that they have.”

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Pop Culture

People reveal which paid memberships are 100 percent worth every penny

"Costco… For the chicken and food court alone it is worth it."

Photo (left) by Johannes Andersson on Unsplash Photo (right) by Ben Wicks on Unsplash

From National Parks passes to air ambulance services, some memberships are totally worth it.

With the basic cost of living stretching many folks financially, people are always on the lookout for ways to save money. But with long-term commitments and ever-increasing costs, people are also often wary of memberships or subscriptions that might save you money (or at least be worth what they cost), but also might not.

Thanks to a Reddit user who asked fellow Redditors, "What membership is 100% worth every penny you pay for it?" we've got a list of memberships that might actually be worth checking out.

The kinds of memberships people listed vary widely, from warehouse stores to learning programs to medical evacuation services, but everyone who shared made a strong case for why the cost of them are worth it.

Here are the memberships people say are worth every penny:

Emergency Helicopter Services

"I live on an island in Alaska with limited healthcare. An emergency flight to a more capable hospital will cost $50000. For $100 a year I save $49900 if I ever need their services. That $100 covers everyone living under my roof. There is no limit on the number of flights. And seniors pay $75. Of course, the flight isn't a guarantee. Bad weather or the donated jet needing repairs can, and does, prevent you from being flown out." – Ksan_of_Tongass

"Can't believe someone beat me to this.
A year and a half ago, I had to be medevaced to Seattle with a broken back. Price tag on the flight would have been $141,110.89...
Good thing we are a member of the air med network!" – Tedious_research

"More common than you would think. They have this same premise in rural Texas for about $25/m." – sevargmas

The Great Courses (or Wondrium)

"The Great Courses. It’s now under the umbrella of Wondrium (and they have a bunch of other stuff, but I look for the GC stuff) They have hundreds of courses. Each one has roughly 26-40 lectures. They’re the best professors in the world - the ones that students report as their favorite teachers.

My boyfriend and I always have four on Thursdays: a science, an art, a philosophy (or wild card) and a history. We’ve done classes like: botany, the analects of Confucius, The Medici’s, the physics of time, early humans and the history of food.

I’ve got a good deal with them at $10/month all I can stream. Great for lifelong learners." – Shaydie

"I bought a 2 year subscription (when it was 50% off) and never looked back. Ancient Egypt is probably the best course I've ever taken, even including courses I've taken in college. It's old (1999) and some things have been disproven since, but it's still so damn good. Now I'm watching Ancient Mesopotamia, which is also very good." – Ok-Supermarket-1414

"I’ve learned so many things from having a Wondrium subscription (and mostly the great courses ones are my favourites). I think having the streaming version of this versus buying courses has led me to learn so many more things than I would have, and try and some and find out they weren’t really for me." — Shipping_away_at_it

Mountains rising up behind a lake at sunset

Grand Tetons National Park

Photo by Nate Foong on Unsplash

National Parks Pass

"The US National Park Senior Pass. The BEST bargain in the nation." – BrunoGerace

"We toured the us in an rv this year, and the america the beautiful pass paid for itself many, many, many times over." – mushnu

"And if you're not a Senior (or Vet) the annual pass is still a deal. Visit 3 NPs or NMs in a year and it's paid for itself." – Kerensky97

"I’m canadian, I’ve seen national parks in canada, a lot of europe and the us, and it’s not even a fair contest. The national parks in america are s tier amazing sites. Diverse, well cared for yet wild, affordable, etc." – mushnu

The YMCA (though this varies a lot by location and income)

"YMCA - I pay $70 a month for a family of four and it includes use of the pool, gym, and sauna and up to four hours of childcare a day. I go nearly everyday and have lost 60 pounds over the last six months. It’s also my only childcare as a stay at home mom so it keeps me sane." – neopolitandynomite

"Came here to say this! I’m in WI and pay $82/month for my family of 7. We go 3-4 times a week, love it. Also have volunteered to coach soccer and have kids in the youth sports. Pool, hot tub and sauna is like a spa to me." – Martini6288

"My family YMCA membership (one adult + children) is $115/mo, but even so, it's totally worth it! I attend at least 3 group ex classes a week, my kids go in the kid zone, they get swim lessons, T-ball, summer camp, etc at reduced cost. It's also very convenient as we live right across the street. We attend many of their special events too (Halloween party, pumpkins in the pool, etc)." – WhJoMaShRa

AAA

"AAA or equivalent roadside service club in your respective country. A single tow costs more than your membership and it quickly pays for itself. Plus all the other discounts and affiliated services they offer, it is absolutely worth the money." – llcucf80

"Between tows and the times either I or someone I was with locked their keys in their car, it has more than paid for itself. It has been a life saver more than once." – nelsonalgrencametome

"Family car broke down on a road trip. My dad had some upper level AAA membership or something, because they covered the tow, a bus ticket for me home while they got covered in the affiliated hotel for 2 nights, along with meals." – DopeCharma

"I haven't owned a vehicle in over 6 years, up until the last two years I've had a AAA membership.

It's worth mentioning that it's not like insurance, it's your membership. I kept it because I could call them if a friend needed a tow, someone locked their keys in their car, needed gas but no way to get it, flat and no spare, doesn't matter

If you have a membership, youre present, card in hand, doesn't matter who's vehicle it is, you're golden. I even got complete strangers a tow, I wasn't gonna use them.

One time I even got my own vehicle out of an impound using AAA because the tow company was certified with AAA and it was only impounded for expired tags. I didn't pay a dime to the tow company, they just got more from me requesting the tow through AAA to an auto shop

Amazing service, 100% worth every penny." – drklunk

front view of a costco store

Costco can save you on a lot more than just chicken.

Photo by Grant Beirute on Unsplash

Costco

"Costco… For the chicken and food court alone it is worth it." – Peach3ater

"Even if you ONLY buy allergy med from Costco, it’s worth the membership fee. $70 membership + $14 bottle of 365 allergy pills is basically 2-3 months max of Claritin or other brands at regular grocery store." – the_bio

"For me it's my contacts. Just my regular prescription for a year is more of a discount at costco vs 1800contacts than the membership costs." – MRoad

"There are so many things it can save you $10 a month on. It’s insane. My wife and I probably save $120 a month on everything from bulkier groceries/snacks, paper towels/toilet paper, laundry detergent, some clothes, tires and gas. We don’t even drink soda or have pets, both of which can more than pay for a membership. We live an hour away and factor our time/wear and tear on the car into how much it saves us. $120 a month easily even on a light month." – sevseg_decoder

Spotify Premium

"I've had Spotify premium since 2011 and I listen to it all day every day. Best value subscription." – Breakfast_1796

"Undoubtedly this, especially compared to what you used to have to spend on physical media. Even then, you’d be stuck with the same handful of albums with one good track instead of nearly every song ever recorded." – Chewie83

"Sometimes I imagine explaining Spotify to my 16-year-old self. "So for about the price of a single CD a month... You can have all the music ever, on demand. All of it, Whenever you want..." It's honestly a dream come true for me lol." – DAFUQ404

"I've had the spotify family plan since like 2015 or so. 15/month for 6 people? Yes please!!! I'd be paying 10 just for me to have premium. Now my fiancée, my adult children, my bestie, and her husband all have a quality music service." – eyemacwgrl

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