\n\u00cen ochii societ\u0103\u0163ii, millennialii sunt bloca\u0163i \u00eentr-o stare de adolescen\u0163\u0103 financiar\u0103.<\/p>\n
\nEi nu au ma\u015fin\u0103, nu au cas\u0103, nu se c\u0103s\u0103toresc \u015fi sunt cople\u015fi\u0163i de \u00eemprumuturile studen\u0163e\u015fti. Ar putea s\u0103 nu fie vina lor, \u00eens\u0103 teoretic o duc mai r\u0103u dec\u0103t cei din Genera\u0163ia X sau dec\u00e2t baby boomers, potrivit unui studiu lansat recent de Fed, citat de Quartz.<\/p>\n
\nStudiul estimeaz\u0103 c\u0103 cei din genera\u0163ia millennials \u2013 n\u0103scu\u0163i \u00eentre 1981 \u015fi 1997 \u2013 au o avere mai mic\u0103, venituri mai mici \u015fi le este din ce \u00een ce mai greu s\u0103 treac\u0103 la ceea ce societatea consider\u0103 a fi comportamentul adultului.<\/p>\n
\n\u00cens\u0103 mai exist\u0103 o modalitate de a interpreta rezultatele studiului. Ar putea \u00eensemna, de asmenea, c\u0103 millennialii sunt to\u0163i \u00eentr-o form\u0103 bun\u0103, poate chiar mai boga\u0163i dec\u00e2t genera\u0163iile anterioare, \u00eens\u0103 au ales s\u0103 investeasc\u0103 \u00een alt fel de active.<\/p>\n
\nLumea s-a schimbat, iar millennialii par s\u0103raci privi\u0163i prin prisma standardelor anterioare, \u00eens\u0103 economia este \u00eentr-un stadiu complet diferit fa\u0163\u0103 de economia din tinere\u0163ea altor genera\u0163ii.<\/p>\n
\nDe c\u00e2nd cei din genera\u0163ia baby boomers au ajuns la maturitate financiar\u0103 \u00een anii 80, iar genera\u0163ia X \u00een anii 90, au fost schimb\u0103ri at\u00e2t graduale dar \u015fi dramatice \u00een mecanismele economice.<\/p>\n
\nTehnologia a ajuns \u00eentr-un punct \u00een care schimb\u0103 fundamental modul \u00een care oamenii comunic\u0103 sau \u00een care lucreaz\u0103. \u00cen contextul \u00een care economia se \u00eendep\u0103rteaz\u0103 de tehnologia de produc\u0163ie \u00eenvechit\u0103 \u015fi trece \u00eenspre servicii bazate pe tehnologie de \u00eenalt\u0103 calitate, nivelul de educa\u0163ie la care ader\u0103 tinerii a crescut, precum \u015fi veniturile pe care le a\u015fteapt\u0103 ace\u015ftia.<\/p>\n
\nAmericanii care termin\u0103 o facultate se pot a\u015ftepta s\u0103 c\u00e2\u015ftige mai mult cu 1 milion de dolari \u00een timpul vie\u0163ii dec\u00e2t americanii care nu au o diplom\u0103. Altfel spus, \u00een genera\u0163ia actual\u0103, o diplom\u0103 de facultate devine ceva extrem de important.<\/p>\n
\nTinerii care nu au absolvit dec\u00e2t liceul, se confrunt\u0103 \u00een noua economie cu salarii care stagneaz\u0103 \u015fi cu \u015fomajul.<\/p>\n
\n\u0162in\u00e2nd cont de schimb\u0103rile economice, a pl\u0103ti mai mult pentru propria educa\u0163ie \u2013 prin credite de student \u2013 ar putea fi o strategie inteligent\u0103, fiind cel mai bun mod de a-\u0163i proteja viitorul \u00eentr-o economie care se schimb\u0103 constant.<\/p>\n
\nNu exist\u0103 nicio garan\u0163ie c\u0103 \u00eemprumuturile studen\u0163e\u015fti vor avea randamente prin activitatea studentului de dup\u0103 facultate, \u00eens\u0103, potrivit FED, millennialii sunt cea mai educat\u0103 genera\u0163ie, 65% dintre ace\u015ftia fiind implica\u0163 m\u0103car \u00eentr-un curs post liceal sau o facultate.<\/p>\n
\nVia\u0163a la ora\u015f. <\/strong>Genera\u0163ia millennials nu este doar mai educat\u0103, ci \u015fi mai urban\u0103. Structura actual\u0103 a economiei r\u0103spl\u0103te\u015fte via\u0163a \u00een ora\u015fele mari. \u00centr-o economie a cuno\u015ftin\u0163elor \u015fi a educa\u0163iei, ora\u015fele mari sunt locurile unde \u00ee\u015fi g\u0103sesc locuri de munc\u0103 bine pl\u0103tite \u015fi cercuri sociale valoroase.<\/p>\n \nOportunit\u0103\u0163i mai bune \u015fi rate ale criminalit\u0103\u0163ii mai sc\u0103zute arat\u0103 c\u0103 aceast\u0103 genera\u0163ie tr\u0103ie\u015fte mai mult \u00een ora\u015fe dec\u00e2t genera\u0163iile anterioare.<\/p>\n \nFED-ul estimeaz\u0103 c\u0103 cei din genera\u0163ia millennials au o avere medie net\u0103 (definit\u0103 drept active minus datorii), de circa 42.000 dolari, mai sc\u0103zut\u0103 dec\u00e2t cea din genera\u0163ia X, de 48.000 de dolari.<\/p>\n \nDar asta nu \u00eenseamn\u0103 c\u0103 tinerii sunt de fapt mai s\u0103raci, deoarece averea lor nu include valoarea pe care o va avea \u00een viitor munca lor, care va valora mai mult datorit\u0103 educa\u0163iei.<\/p>\n \nAcesta ar putea fi unul dintre motivele pentru care lumea crede c\u0103 millennials nu au bani. Deoarece ace\u015ftia au intrat mai t\u00e2rziu \u00een c\u00e2mpul muncii, pentru c\u0103 au petrecut mai mult timp cu educa\u0163ia, \u015fi au avut mai pu\u0163in timp s\u0103 str\u00e2ng\u0103 bani.<\/p>\n \n <\/p>\n","protected":false},"excerpt":{"rendered":" \u00cen ochii societ\u0103\u0163ii, millennialii sunt bloca\u0163i \u00eentr-o stare de adolescen\u0163\u0103 financiar\u0103. Ei nu au ma\u015fin\u0103, nu au cas\u0103, nu se c\u0103s\u0103toresc \u015fi sunt cople\u015fi\u0163i de \u00eemprumuturile studen\u0163e\u015fti. Ar putea s\u0103 nu fie vina lor, \u00eens\u0103 teoretic o duc mai r\u0103u dec\u0103t cei din Genera\u0163ia X sau dec\u00e2t baby boomers, potrivit unui studiu lansat recent de […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[22153,10235,194],"class_list":["post-167396","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-generatie","tag-saracie","tag-tineri"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/167396","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=167396"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/167396\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=167396"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=167396"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=167396"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}