That's the definition of what you just talked about. I just saw a really interesting thread on Tumblr 'my parents keep telling me to get a job, I should go into the building and give my resume to the manager.' Then it was a bunch of millennials and Gen-Z talking about how when they've done that, the has been like, 'Can you just e-mail me, you freaking weirdo?' The point was that the advice you're getting from older people, like 'pull yourself up by your bootstraps' and 'show your face and be a good worker,' isn't a thing.

There's all these changes in the way the world works, and the people who are mad at us are like, 'Why don’t you do what I did?' It's a different world now, so your advice doesn't really hold water. You're less likely to get a standard nine-to-five, and if you do, that job might not even have health insurance, or they might not allow you to contribute to a pension or 401K. I think it's easier to shame someone for their personal habits than it is to acknowledge that healthcare costs have risen, housing costs have risen, college costs have risen. It benefits the status quo to believe that everything is your fault. Why do you think these articles keep getting written over and over, despite all the pushback they get? We keep seeing traditional media writing about money and budgeting, scolding millennials about their spending habits - like, 'If you want to buy a house, stop buying avocado toast.'Īnd then you read their examples of a 'responsible' millennial and you find out their parents are covering their rent, or they have extra money coming in from other places. Obviously I give advice, but I think there's a way to do that you feel bad if you're behind the ball, because this is what we're dealing with.

So I'm not going to go at these topics pretending that everyone's on an equal playing field, and that's what the book is about. I'm not going to talk about retirement without mentioning what a couple of friends of mine who do a podcast called Queer Money witnessed, when they worked in marketing for retirement, which was that there was practically no money given to marketing to the LGBTQ community. I'm not going to talk to you about credit cards without explaining why black people might have a harder time getting credit cards.

Bad with Money by Gaby Dunn