It do be like that

(older) Millennial here...bought a house at 24 over an 1.5 hours outside of Toronto. I also have no debt, a retirement fund, and stocks.

I didn't have the option of going to university after high school (family obligations). I dropped out of school before graduating, went to night school while working full time and used my salary to help support my family.

I managed to get a job at a large company at 20 (making around $18K CDN) and worked my ass off, got promoted a couple of times, made a very middle class salary (I think it was $45K CDN when I bought my house). I put down less than 10K, had to pay a ton of fees for not putting down enough money, had no money for needed repairs, lived in a bad neighbourhood, in a crappy house, but it was my goal to not be homeless or have to move more than anything.

My story is atypical in many regards, looking back if I were to go to university it probably would have been for engineering or computer science, probably would be carrying a load of debt, no house, etc if I did take that path, but would be making a lot more money than I am today.

With that said, if you sit around waiting for the world to hand you anything, it's not going to happen. If you act like a victim, the only person affected is yourself. No one has pity for you, and the worst thing you can be in this world according to society is poor. I was there and it fucking sucked.

For me, not having the choice of the type of food I was able to eat, having no internet, etc were motivators. Before I got my call centre job I was working retail making next to no money and barely getting by, which was an upgrade from when I was a kid. We grew up poor, I managed to get my first computer when I was in grade 10, which my mother financed, and I used it to study as much as I could.

Now my goal is to retire at 55. I don't live a life of luxury by any means. I don't travel for vacation, I bought my first new car last year (I commute a lot for work), and I never purchase things I don't have money for or can't afford.

I was poor for years before I became middle class, if I end up having kids I'll be happy if they can move out before 30.

If I had any criticism of my peers/friends it's that they don't understand the value of money, they don't save, and they don't invest. These are all things I had to learn on my own as my parents were terrible with money. I managed to find people who could teach me about these things. I had some bad consumer debt that took years to pay off, but I have always been saving (small amounts at first) for my retirement. 2% of my income initially, which has grown to 10%+ since paying off all my debt. As my salary went up, I never paid myself more, but put it towards savings. I have effectively paid myself the same amount since buying my house.

It sucks, the world sucks compared to generations before us, and I still could potentially lose everything if I lose my job next week. I think this would be unlikely because I have a never give up attitude, but growing up I just didn't want to be poor as an adult.

You can't check out and blame a hard life on everyone else. Learn to cook, learn how to budget, learn how to save, use vacations to get ahead in life. The harder you work early in life means it's a lot easier later in life.

TLDR: The world isn't going to give you a handout, take responsibility of your own destiny.

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