+
True
TD Ameritrade

OK, here's the thing: Millennials get a lot of flack. A lot of it.

As a millennial myself, I see where the stereotypes start and where they end, but I know one thing for certain: We're shaking things up. And in a world where the status quo isn't always right, that's not a bad thing.


A re-imagination of a Time magazine cover. Image by Max Gaines/Flickr.

Millennials have changed how some workplaces operate — shoutout to flexible work options and companies committed to social change. Millennials are the generation that helped elect the first black U.S. president and helped make social sharing an integral part of daily life, creating entire new industries to support it. The status quo is shifting.

But as much as the millennial generation is defined by advancement and a desire for change, it's also been shaped by hard economic times.

With fluctuating economies, a lack of financial literacy, mounting student debt, and the growing assumption that retirement is a luxury many just won't be able to afford, money is definitely on our minds.

Image via Damian Gadal/Flickr.

Is it in our conversations, though? There are so many benefits to talking about money. One of the biggest benefits is simply realizing that you're not the only one facing certain challenges. But even for millennials who seem pretty comfortable talking about everything else, not talking about money — aka the money taboo — is still somewhat the norm.

Why is that?

Talking about money makes people feel vulnerable — and that can be pretty uncomfortable.

When someone understands your finances, they understand so much of your life because money is, in many ways, the foundation on which we build our lives. And society itself has a complicated relationship with money. In an essay on the money taboo, Richard Trachtman cites psychologist Carol Lloyd:

"In a society that claims to be a classless meritocracy on the one hand and a capitalist paradise on the other, there is no acceptable level of wealth. We have to pretend to be equal even as we know ourselves to have vastly different opportunities depending on our income."

Money talk invites judgment. It also used to be seen (and often still is) as kinda rude.

Emily Post, the queen of manners, made it very clear in her 1922 book of etiquette that money shouldn't be a topic of social conversation:

"Only a vulgarian talks ceaselessly about how much this or that cost him... A very well-bred man intensely dislikes the mention of money and never speaks of it (out of business hours) if he can avoid it."

Change may be in the air, though. Millennials are speaking up and talking about money in ways no other generation has.

According to Facebook IQ, 40% of the financial conversations taking place there are driven by millennials, on everything from credit cards to investments.

Image via Elizabeth Hahn/Flickr.

So while in-person conversations about money may still be a little tricky to navigate, social media has done millennials a solid, offering a way to discuss money and poke fun at both the successes and struggles of financial management without feeling like a social leper.

Elite Daily — which calls itself "The Voice of Generation Y" on Instagram and has 1.4 million followers backing that claim — regularly pokes fun at the financial struggles millennials are facing.

Image via Elite Daily Instagram.

Needless to say, they're not shy about discussing the struggle, and they do it in a away that's so quintessentially millennial: memes. With thousands of likes and thousands of people tagging their friends on each post, it's an avenue for discussion and a good reminder that we're all in this struggle together.

Image via Elite Daily Instagram.

But, memes aside, millennials are actually pretty financially conservative.

And it's confusing the heck out of major industries, which are struggling to connect with the millennial audience to no avail. According to a Consumer Expenditure Survey, millennials aren't buying cars like previous generations did. And when they buy cars, they aren't driving as much. And houses? Well, millennials are passing on that too, for now.

Here's the thing: Millennials have seen how fragile wealth is.

With the stock market collapse, wealthy families lost the luxury of not discussing money. Middle-class and working-class families had to work even harder and stress the importance of money even further. Some never recovered after jobs were lost, parents aged, and income dwindled.

Image via Michael Coghlan/Flickr.

Millennials saw their parents struggling with the economy and arguing and talking about money.

Can you really blame millennials for being wary? We're more than aware of how big of a role money plays in our lives, and saddled with debt — student debt and national debt — there's a large hill to climb to feel some sense of financial stability.

So, are millennials really talking more about money? If not more, then definitely differently.

It's pretty clear that millennials are thinking about and engaging with money differently — our grandparents weren't commiserating on social media about living from paycheck to paycheck.

But are millennials talking about money more? The answer appears to be a cautious yes. The taboo still exists, but things are changing.

Image via Matus Laslofi/Flickr.

Reinventing the wheel is part of the millennial identity, and as people are trying to figure out how to manage their money on their terms and protect their children's futures, conversations are taking place.

One thing is certain: Times are changing and our relationship with money is a big part of that evolution.

Pop Culture

She bought the perfect wedding dress that went viral on TikTok. It was only $3.75.

Lynch is part of a growing crowd of newlyweds going against the regular wedding tradition of spending loads of money.

Making a priceless memory.

At first glance, one might think that Jillian Lynch wore a traditional (read: expensive) dress to her wedding. After all, it did look glamorous on her. But this 32-year-old bride has a secret superpower: thrifting.

Lynch posted her bargain hunt on TikTok, sharing that she had been perusing thrift shops in Ohio for four days in a row, with the actual ceremony being only a month away. Lynch then displays an elegant ivory-colored Camila Coelho dress. Fitting perfectly, still brand new and with the tags on it, no less.

You can find that exact same dress on Revolve for $220. Lynch bought it for only $3.75.
Keep ReadingShow less
Images provided by Pacifico

Making waves in the best way

True

At last, summer is here. And for many people, that means it's time for heading to the beach and maybe even catching some waves. Surfing is a quintessential summertime activity for those who live in coastal communities—it’s not only really fun and challenging, it’s also a great way to celebrate Mother Nature’s beauty. Even after a wipeout, the cool water mixed with warm sunshine offers a certain kind of euphoria. Or, you know, just hanging back on the sand is plenty fun too. Simply being outdoors near the ocean is its own reward.

pacifico quiksilver beach cleanupLet’s protect the places where outdoor adventure happensAll photos provided by Pacifico

However, it's well known that our beautiful beaches are suffering the consequences of overcrowding, pollution and littering. What was once a way of playing in nature is now slowly destroying it. And of course, this affects beachgoers everywhere. The sad truth is—without taking action to preserve all the natural joys the earth provides, we will eventually lose them.

But there is hope. Two popular brands that both have roots in surf culture have teamed up to help make trips to the beach a more sustainable pastime. The best part? You don’t have to know how to hang ten in order to participate.

Pacifico®, a pilsner-style lager originally brought to the U.S. by surfers, and Quiksilver, an iconic apparel company loved by both surfers and beach goers alike, have created a brand-new range of clothing and accessories with sustainability in mind.

Take a look below. These threads are great for all kinds of fun in the sun, without compromising the environment.

pacifico quicksilver beach cleanupsReady to make some waves

The collection launches on July 5 and includes tees and woven shirts, boardshorts, hats, flip-flops and a special beach towel and tote bag. The unique collaboration features the vibrant, colorful designs that are the hallmark of Quiksilver combined with Pacifico elements, created to make a positive impact.

Each item has been thoughtfully curated to minimize an environmental footprint and protect the outdoors. The hats, for example, are made from NetPlus® by Bureo®, a raw material created from South American recycled fishing nets. Additionally, the board shorts are made from recycled plastic bottles, and tees are made with 100% organic cotton. Pretty rad stuff, to put it in surfer lingo.

The prices on these pieces are equally rad, ranging from $28 flip-flops to $60 boardshorts.

In keeping with the sustainable ethos and protecting the places we play, Pacifico and Quiksilver will celebrate the products’ launch by hosting two beach cleanups. The first is on July 5 at Sunset Point in Malibu, California, from 4-5:30pm, and the second is on July 9th at Deerfield Beach in Florida from 8:30 – 10:30am.

pacifico quicksilver clothing lineCleaning up and looking good while doing it

Theses beach cleanups are open to anyone over the age of 21 who’s ready to have some fun while taking care of nature’s playground.

Those who can’t make it to the beach (bummer, dude) don’t have to miss out on all the fun. The new collection will be available on July 5th at www.quiksilver.com/mens-collab-pacifico. And even if you don’t surf, never plan to surf, have no desire to even be near a surfboard, rest assured, the apparel is still cool. Plus sustainable choices are always good fashion.

Our planet provides us with an endless supply of beauty and adventure. But without more mindful actions from humanity, its natural wonders will eventually diminish. Fortunately Pacifico and Quiksilver are making it easier than ever for people to enjoy the great outdoors without jeopardizing it. That’s a wave worth riding.

This article originally appeared on 09.06.17


Being married is like being half of a two-headed monster. It's impossible to avoid regular disagreements when you're bound to another person for the rest of your life. Even the perfect marriage (if there was such a thing) would have its daily frustrations. Funnily enough, most fights aren't caused by big decisions but the simple, day-to-day questions, such as "What do you want for dinner?"; "Are we free Friday night?"; and "What movie do you want to see?"

Here are some hilarious tweets that just about every married couple will understand.

Keep ReadingShow less