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In my 20's I felt much the same about my parents, as 20 year olds today feel about theirs...my parents paid $60K for their house-1900 sq ft, 5 bed 2 bath home-(which they still own) in 1986...My first house was $195K-1750 sq ft 3 bed 2 bath- in 2005...20 year olds buying their first home today (in my market) would probably be paying about $450K (for a newer 1600ish sq ft 3 bed 2 bath home).
I felt I had it way harder than my parents...how could I afford my first home when homes cost 3X as much as my parents had to pay? Wages aren't 3x's higher...I remember my parents wondering how their kids would ever afford a home. And I hear my friends today making the same statements about their children. So in response to the "20 year olds these days have it so much harder than I did...you just don't get it...its not the same...blah blah blah"...I simply say...NOT TRUE! Every generation feels they have it harder than the generation before.
My generation figured it out...and this generation will figure it out. The doom and gloom from millennials and Gen Z'ers is the same doom and gloom that gen X'ers felt...its not unique.
As far as my current situation....I have ZERO experience in the saas world...none...I had an idea...In talking with some friends with experience in the saas world, they felt it might be marketable...so I dug into it further, realized I had a potential solution for a niche in the market. I'm learning as I go...as far as an initial investment from me or my two partners, we are less than $500...for the domain, server hosting, and merchant services.
I see no reason a 20 year old couldn't look at the world around him/her, look at their own life...notice some issues/problems they see...figure out a solution to that issue/problem...find strategic partners and start a business? Why couldn't a 20 year old today do that?
I started my career as a mortgage loan officer (my full time day job) at 22 years old...with no experience at all (I didn't even know what a mortgage was...except on the back of the monopoly cards)...and I literally learned the business on the job...I'm still doing it. I have no earning cap...my earning is literally determined by my own work ethic and hustle. Could I do it again if I started today? Absolutely I could. No reason a hard working 20 year old couldn't do the same.
My point is that I'm not exceptional in anyway, nor unique. And I figure things out. I can't handle it when so many people look at the world around them and are confronted with challenges, rather than look inward and figure it out, they get on their knees in front of the government and beg them for help...
I got one for you, I know a guy who worked as a Ford Service manager, he didn’t complete college or even have an associates. The dude gets paralyzed, had a house, truck, you name it. He had to sell everything and now he trades stocks for a living. He learned it while being in and out of the hospital all of the time.
You got that right. Family ain't what it once was.
Food for thought. I own and operate a small construction company. My wife is a self employed web designer. We are high school graduates . No college. We do very well . Our 15 year old son will be going to university. If for some reason he doesn't we will be very disappointed.
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The lack of complete family units is to blame for most of the issues in this country. No doubt about that. The segments of our society with the largest issues (poverty, crime, etc.) are the same segments with the highest number of incomplete family units. It's not a coincidence.
The liberals (in colleges, Hollywood, media, and government) keep trying to degrade the family even further...by blurring genders, discarding the value of marriage, attacking fathers (masculinity), sexualizing children (and that is what is called when you are having conversations about sexuality/gender with prepubescent children...those are adult topics that should wait to be had until they are adults).
The family is the most basic unit of our society...strong families mean strong neighborhoods, strong neighborhoods strong cities, strong cities strong counties, strong counties strong states, strong states strong country. Those that hate America don't have to wage war on America to destroy it...they only have to destroy the family to be successful...and they've got an unwitting ally in their fight: the radical left wingers right here in America.
Is Student Loan Forgiveness more communist than the Paycheck Protection Program loans (that were forgiven)?
How far out did you extend your hand?
Mine stayed in my pocket...thank you.
They are equal…both are ridiculous and wrong.
I just think it is sad that kids today are handed debt and environmental change; nothing but service jobs, and no idea of what form of “work” their future holds (that cannot be cannibalized by Amazon), and this Tribe of Hate wants to kick those kids when they don’t have a toe-hold to stand on.
I am glad that I am 52, not 25.
They aren’t handed debt, they knowingly take it upon themselves.
They’ve been brainwashed by society that college is a “must do” for a good life/job…ignoring the fact that so many of these college grads can’t even get a good enough job to make their student loan payments, which ought to be enough evidence for any and all to see that the college path is broken. So why keep following it? (I’ve got my own ideas about why it’s broken…) It’s obviously not a good investment…time to start looking at colleges to justify their ridiculous tuition rates…and time to start looking at student loan lenders and ask why they aren’t making risk based lending decisions…and time to get the federal government out of the student loan guarantee business (which will put more risk on the lenders so they will be forced to make more realistic lending decisions).
Interestingly, the government made businesses close down. And it may have not been your business that closed down but the next business over that affected your business. It was not their choice. People seem to think just because something is labeled a business, they have all kinds of free money. So if, you were able to keep employees, yes they gave you some money. The alternative would have been to pay that same money to an unemployed person that would have had NO JOB to go back to. So NOT apples to apples.
Years ago, when you asked a kid what they aspired to be. They might have said a fireman, an engineer, a teacher, a doctor.
In today's world, surveys have shown the number 1 answer to that question is to be "an influencer". Yes someone that rakes in the money for posting things showing they are having a good time. It's very much less common that people aspire to actually "work" to make money.
On the one hand, student loan forgiveness can be a lifeline for individuals drowning in debt, offering a chance to breathe and pursue dreams without the constant financial weight. On the flip side, there's the worry that this approach might not be the magic fix, potentially creating unintended consequences. Personally, I lean towards targeted forgiveness programs, tailored to specific needs and demographics. In addition, I strongly believe that increasing awareness among students is crucial in navigating the complexities of student loans. As a student, I made a conscious effort to pay off all my loans on time. Whenever I needed expert help in managing my loans, I turned to a Mortgage Broker in Northampton. Their guidance proved invaluable in steering clear of debts and financial pitfalls.
Uhmm… as has been said in here before, it’s not forgiveness, it’s making others pay your debt.
If the colleges, who are overpricing their services and swimming in money, wants to forgive the debt themselves, I think most would be ok with that.
That little kitty in your avatar has 4 hands, so on hand #3 Let's make everyone's life more miserable and have them pay for the debt you agreed to pay back if you could use it to get an education. And on hand #4, YOU were supposed to use that money to get an education that would make you VALUABLE to a company to pay you ENOUGH money to PAY BACK those funds. AND if you didn't get what you paid for from the institution, you should sue THE INSTITUTION for your money back because they did not provide you the valuable product (your education) you paid them for and then you can use that money to PAY BACK your loan.
Let's go with #4
Actually it is not forgiveness but a transfer of debt to others. As far as pursuing dreams, one must assume a college education must have been a dream pursued at one time, at least until the bill came. Will someone else pay for the next dream pursued as well?
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